Civic Intelligence

Cooperativa De Ahorro Y Credito De Maunabo

EIN 66-0271958 • 501(c)14 • Maunabo, PR

View Organization Page

Profile

To provide financial services as loans savings and accounts mainly to low income sector of people in puerto rico. Also credit union makes a social investment in the community.

PO Box 127Maunabo, PR 00707

www.maunacooppr.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

4th percentile

0.64x

Higher debt load relative to assets than 4% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

8th percentile

10.08x

Higher debt load relative to revenue than 8% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

98th percentile

37%

Higher net margin than 98% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

28th percentile

$189,967

Higher top officer pay than 28% of similar nonprofits.

Top officer pay equals 1.3% of source-year revenue.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Asset Growth

34th percentile

1.2%

Faster asset growth than 34% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

4th percentile

-6.7%

Faster revenue growth than 4% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets4th percentile

Assets

Up

$238,450,251

Up $2,832,085 (+1.2%) from 2023

Liabilities

Down

$152,874,848

Down $1,420,115 (-0.9%) from 2023

Net Assets

Up

$85,575,403

Up $4,252,200 (+5.2%) from 2023

Operations
Liabilities / Revenue8th percentileNet Margin98th percentile

Revenue

Down

$15,172,740

Down $1,082,551 (-6.7%) from 2023

Expenses

Down

$9,611,849

Down $259,764 (-2.6%) from 2023

Net Income

Down

$5,560,891

Down $822,787 (-13%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth34th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$300M$200M$100M$0Assets 2011: $151,355,504Liabilities 2011: $89,883,938Net Assets 2011: $61,471,5662011Assets 2012: $160,624,701Liabilities 2012: $95,874,135Net Assets 2012: $64,750,5662012Assets 2013: $165,294,080Liabilities 2013: $99,015,452Net Assets 2013: $66,278,6282013Assets 2014: $169,000,151Liabilities 2014: $100,474,963Net Assets 2014: $68,525,1882014Assets 2015: $170,805,373Liabilities 2015: $101,296,459Net Assets 2015: $69,508,9142015Assets 2016: $173,204,962Liabilities 2016: $106,560,192Net Assets 2016: $66,644,7702016Assets 2017: $183,135,832Liabilities 2017: $115,818,803Net Assets 2017: $67,317,0292017Assets 2018: $185,733,128Liabilities 2018: $115,106,333Net Assets 2018: $70,626,7952018Assets 2019: $182,260,222Liabilities 2019: $112,677,492Net Assets 2019: $69,582,7302019Assets 2020: $212,883,371Liabilities 2020: $141,433,345Net Assets 2020: $71,450,0262020Assets 2021: $243,358,008Liabilities 2021: $160,251,611Net Assets 2021: $83,106,3972021Assets 2022: $242,553,813Liabilities 2022: $161,719,328Net Assets 2022: $80,834,4852022Assets 2023: $235,618,166Liabilities 2023: $154,294,963Net Assets 2023: $81,323,2032023Assets 2024: $238,450,251Liabilities 2024: $152,874,848Net Assets 2024: $85,575,4032024

Highlighted filing

2024

Assets$238,450,251
Liabilities$152,874,848
Net Assets$85,575,403
Open 2024 Filing

Operations Trend

Revenue Growth4th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$20M$15M$10M$5.0M$0Revenue 2011: $9,370,341Expenses 2011: $7,771,416Net Income 2011: $1,598,9252011Expenses 2012: $8,227,0832012Revenue 2013: $9,748,608Expenses 2013: $8,140,525Net Income 2013: $1,608,0832013Revenue 2014: $9,410,422Expenses 2014: $7,736,104Net Income 2014: $1,674,3182014Revenue 2015: $9,428,950Expenses 2015: $8,633,426Net Income 2015: $795,5242015Revenue 2016: $9,064,764Expenses 2016: $8,678,519Net Income 2016: $386,2452016Revenue 2017: $9,722,022Expenses 2017: $9,034,628Net Income 2017: $687,3942017Revenue 2018: $10,753,880Expenses 2018: $9,992,129Net Income 2018: $761,7512018Revenue 2019: $10,894,619Expenses 2019: $9,966,882Net Income 2019: $927,7372019Revenue 2020: $10,434,361Expenses 2020: $9,810,625Net Income 2020: $623,7362020Revenue 2021: $11,072,933Expenses 2021: $9,587,057Net Income 2021: $1,485,8762021Revenue 2022: $11,071,523Expenses 2022: $8,923,943Net Income 2022: $2,147,5802022Revenue 2023: $16,255,291Expenses 2023: $9,871,613Net Income 2023: $6,383,6782023Revenue 2024: $15,172,740Expenses 2024: $9,611,849Net Income 2024: $5,560,8912024

Highlighted filing

2024

Revenue$15,172,740
Expenses$9,611,849
Net Income$5,560,891
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$238,450,251
Liabilities
$152,874,848
Net assets
$85,575,403
Revenue
$15,172,740
Expenses
$9,611,849
Net income
$5,560,891
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$238$153$85.6$15.2$9.61$5.56
2023Detailed filing. Detailed filing data is available for this year.$236$154$81.3$16.3$9.87$6.38
2022Detailed filing. Detailed filing data is available for this year.$243$162$80.8$11.1$8.92$2.15
2021Detailed filing. Detailed filing data is available for this year.$243$160$83.1$11.1$9.59$1.49
2020Detailed filing. Detailed filing data is available for this year.$213$141$71.5$10.4$9.81$0.62
2019Summary only. Only limited summary data is available for this year.$182$113$69.6$10.9$9.97$0.93
2018Detailed filing. Detailed filing data is available for this year.$186$115$70.6$10.8$9.99$0.76
2017Detailed filing. Detailed filing data is available for this year.$183$116$67.3$9.72$9.03$0.69
2016Detailed filing. Detailed filing data is available for this year.$173$107$66.6$9.06$8.68$0.39
2015Detailed filing. Detailed filing data is available for this year.$171$101$69.5$9.43$8.63$0.80
2014Detailed filing. Detailed filing data is available for this year.$169$100$68.5$9.41$7.74$1.67
2013Detailed filing. Detailed filing data is available for this year.$165$99.0$66.3$9.75$8.14$1.61
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$161$95.9$64.8$8.23
2011Summary only. Only limited summary data is available for this year.$151$89.9$61.5$9.37$7.77$1.60
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jun 11, 2025
Return Version
2024v5.0
Gross Receipts
$15,172,740
Mission and Program Overview

Mission

To provide financial services as loans savings and accounts mainly to low income sector of people in puerto rico. Also credit union makes a social investment in the community.

To provide financial services to its members and clients following the cooperative movement philosophy.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$116,343,010$125,954,676▲ $9,611,666
Cap Stk Tr Prin Current Funds$64,098,195$63,554,775▼ $543,420
Cash and Non-Interest-Bearing Accounts$27,881,981$47,544,991▲ $19,663,010
Investments in Publicly Traded Securities$56,452,350$44,439,569▼ $12,012,781
Rtn Earn Endowment Incm Other Fnds$17,225,008$22,020,628▲ $4,795,620
Land, Buildings, and Equipment, Net$7,011,358$6,631,541▼ $379,817
Savings and Temporary Cash Investments$19,826,465$5,527,309▼ $14,299,156
Investments Other Securities$4,852,204$4,594,416▼ $257,788
Prepaid Expenses and Deferred Charges$1,362,789$1,045,293▼ $317,496
Receivables From Officers Etc-$709,616-
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Total Assets$235,618,166$238,450,251▲ $2,832,085
Other Assets Total$1,888,009$2,002,840▲ $114,831
Liabilities
Other Liabilities$152,134,318$151,087,752▼ $1,046,566
Accounts Payable and Accrued Expenses$2,160,645$1,787,096▼ $373,549
Total Liabilities$154,294,963$152,874,848▼ $1,420,115
Net Assets / Fund Balance
Total Net Assets Fund Balance$81,323,203$85,575,403▲ $4,252,200
Total Liabilities and Net Assets / Fund Balance$235,618,166$238,450,251▲ $2,832,085

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,729,983$2,932,532$0
Other Land Buildings$0$0$0
Land$634,955-$0
Equipment$1,150,748$5,326,644$0
Leasehold Improvements$2,115,855$2,025,996$0
Compensation and Service Providers
Top Officer Pay28th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Carlos a Crespo RamosExecutive PresidentFT$189,967$11,398$201,365
Doris Gomez LugoCredit AnalystFT$88,670-$88,670
Angel Rivera RuizFinance VicepresidentFT$78,000-$78,000
Noemi Sanchez RodriguezQuality ManagerFT$58,178-$58,178
Hector Melendez RodriguezBranch ManagerFT$51,709-$51,709
Lillian Defendini OrtizBranch ManagerFT$44,283-$44,283
Nery Valle VegaBranch ManagerFT$42,966-$42,966
Merilyn Rivera LebronBranch ManagerFT$42,037-$42,037
Keila Sostre LambBranch ManagerFT$41,746-$41,746
Nelly Cruz TorresBranch ManagerFT$37,877-$37,877
Rebecca Gutierrez PeraltaCollection ManagerFT$36,712-$36,712
Eddie C Lebron RiveraMarketing Promotion and Education OfficerFT$34,611-$34,611

Highest Paid Contractors

ContractorServicesLocationCompensation
Gladium Technology PartnersTechnology Services407 ALHAMBRA CIR, URB DELGADO 0-10, Coral Gables, FL 33134$185,484
Evertec Group LLCBank Statment Printing And MailingPO BOX 364526, San Juan, PR 00936$176,309
Jorge Yoyo Rivera INCConstruction And ImprovementsSUNRISE MORNING DEW G3, Humacao, PR 00791$144,660
Rivera Gimenez Estudio Legal LLCLegal ServicesAVE JOSE VILLARES, Caguas, PR 00725$108,730
Revenue and Support

Revenue Composition

Contributions and Grants
$718,258
Program Service Revenue
$0
Investment Income
$12,425,266
Other Revenue
$2,029,216
All Other Contributions
$0
Change in Net Assets
$5,560,891

Audited Revenue Reconciliation

Revenue per Audited Statements
$15,172,740
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$15,172,740
Total Revenue per Form 990
$15,172,740
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$6,816,505
Salaries, Compensation, and Employee Benefits$2,795,344
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$1,502,713-$1,502,713
Insurance-$1,032,418-$1,032,418
All Other Expenses$0$885,226-$885,226
Depreciation Depletion-$778,946-$778,946
Current Officers, Directors, Trustees, and Key Employees-$746,756-$746,756
Fees for Services Other-$355,383-$355,383
Interest-$345,021-$345,021
Advertising-$255,612-$255,612
Other Employee Benefits-$240,628-$240,628
Payroll Taxes-$218,141-$218,141
Office Expenses-$216,812-$216,812
Other Expenses$0$191,130$0$191,130
Pension Plan Contributions-$87,106-$87,106
Conferences and Meetings-$75,000-$75,000
Total Functional Expenses$0$9,611,849$0$9,611,849

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$9,611,849
Total Expenses per Audited Statements$9,611,849
Total Expenses per Form 990$9,611,849
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees-$709,616-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Deposits and Savings Certificates$151,087,752
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
Yes
Backup withholding compliance
No
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The organization has members called "socios" who join voluntarily. Each member must contribute at least $10 in shares (par value) upon admission, and must contribute at least $120 yearly to enjoy member benefits.”

Form 990, Part VI, Section A, Line 7A

“Every year, the organization conducts its annual member meeting, where active members nominate and elect the members of the board of directors for the next three years.”

Form 990, Part VI, Section A, Line 7B

“Only those affecting the general rules of the organization.”

Form 990, Part VI, Section B, Line 11B

“Every trimester, the organization sends a report on compliance with laws and regulations to its regulator, in this case, cossec.”

Form 990, Part VI, Section B, Line 12C

“Every trimester, the organization sends a report on compliance with laws and regulations to its regulator, in this case, cossec.”

Form 990, Part VI, Section B, Line 15

“The board of directors assesses the ceo's performance on an annual basis. Also the ceo has a formal employment contract or agreement.”

Form 990, Part VI, Section C, Line 19

“The audited financial statements are discussed and made available to every member attending the annual member meeting.”

Filing and Contact Details

Filer

Filer Name
Cooperativa De Ahorro Y Credito Maunabo
EIN
66-0271958
Phone
7878612240
Address
PO BOX 127, MAUNABO, PR 00707

Signing Officer

Name
Carlos Crespo
Title
Executive President
Phone
7878622240
Signed
2025-06-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Carlos Crespo
Formed
1965
Legal Domicile
Pr
Voting Board Members
9
Independent Board Members
9
Employees
57
Volunteers
9

Preparer

Firm
Llavona Casas CPA PSC
Address
CENTRO INTERNACIONAL DE MERCADEO, 100 CARR 165 TORRE 1 SUITE 708, GUAYNABO, PR 00968
Preparer
Fernando Llavona
Phone
7877648664
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Additional investment from members in shares $10,150,602; withdrawals of shares from members ($11,694,022); undistributed earnings capitalized into shares $1,000,000; unclaimed accounts transferred to social capital reserve, net $98,259; contribution to contingency reserve $484,263; contribution to indivisible capital reserve $242,131; undistributed earnings transferred to contingency reserve $283,679; cdfi funds transferred to contingency reserve $718,258; other changes in undistributed earnings ($2,728,331)”

Raw XML AppendixShowing 400 of 1,077 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/OfficerInd9X
IRS990/Form990PartVIISectionAGrp/OfficerInd10X
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
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IRS990/Form990PartVIISectionAGrp/PersonNm0CARLOS A CRESPO RAMOS
IRS990/Form990PartVIISectionAGrp/PersonNm1DORIS GOMEZ LUGO
IRS990/Form990PartVIISectionAGrp/PersonNm2ANGEL RIVERA RUIZ
IRS990/Form990PartVIISectionAGrp/PersonNm3NOEMI SANCHEZ RODRIGUEZ
IRS990/Form990PartVIISectionAGrp/PersonNm4HECTOR MELENDEZ RODRIGUEZ
IRS990/Form990PartVIISectionAGrp/PersonNm5LILLIAN DEFENDINI ORTIZ
IRS990/Form990PartVIISectionAGrp/PersonNm6NERY VALLE VEGA
IRS990/Form990PartVIISectionAGrp/PersonNm7MERILYN RIVERA LEBRON
IRS990/Form990PartVIISectionAGrp/PersonNm8KEILA SOSTRE LAMB
IRS990/Form990PartVIISectionAGrp/PersonNm9NELLY CRUZ TORRES
IRS990/Form990PartVIISectionAGrp/PersonNm10REBECCA GUTIERREZ PERALTA
IRS990/Form990PartVIISectionAGrp/PersonNm11EDDIE C LEBRON RIVERA
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt278000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt358178
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
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IRS990/Form990PartVIISectionAGrp/TitleTxt0EXECUTIVE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1CREDIT ANALYST
IRS990/Form990PartVIISectionAGrp/TitleTxt2FINANCE VICEPRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt3QUALITY MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BRANCH MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BRANCH MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BRANCH MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BRANCH MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt8BRANCH MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt9BRANCH MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt10COLLECTION MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt11MARKETING PROMOTION AND EDUCATION OFFICER
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IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
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IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
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IRS990/IndoorTanningServicesInd00
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IRS990/LocalChaptersInd01
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IRS990/MembershipDuesAmt00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
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IRS990/MissionDesc0TO PROVIDE ACCESSIBLE FINANCIAL SERVICES TO OUR MEMBERS AND CUSTOMERS IN ACCORDANCE WITH THE PHILOSOPHY OF THE COOPERATIVE MOVEMENT AND SOCIAL ECONOMY.
IRS990/MoreThan5000KToIndividualsInd00
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IRS990/OtherExpensesGrp/Desc2UTILITIES
IRS990/OtherExpensesGrp/Desc3PROVISION FOR CREDIT LOSSES
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IRS990/OtherRevenueMiscGrp/Desc0SERVICE CHARGES
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IRS990/PoliciesReferenceChaptersInd01
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IRS990ScheduleD/EquipmentGrp/DepreciationAmt05326644
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt06477392
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt09611849
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
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IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt02115855
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt02025996
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt04141851
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LossesReportedAmt00
IRS990ScheduleD/NetUnrealizedGainsInvstAmt00

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