Civic Intelligence

Cooperativa De Ahorro Y Credito Morovena

EIN 66-0329330 • 501(c)14 • Morovis, 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 make a social investment in the community.

PO Box 577Morovis, PR 00687

www.coopmorovena.com

Siviq Scores

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

Liabilities / Assets

5th percentile

0.70x

Higher debt load relative to assets than 5% of similar nonprofits.

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

Liabilities / Revenue

10th percentile

10.61x

Higher debt load relative to revenue than 10% of similar nonprofits.

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

Net Margin

92nd percentile

27%

Higher net margin than 92% of similar nonprofits.

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

Top Officer Pay

3rd percentile

$92,053

Higher top officer pay than 3% of similar nonprofits.

Top officer pay equals 1.4% of source-year revenue.

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

Asset Growth

11th percentile

-3.0%

Faster asset growth than 11% of similar nonprofits.

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

Revenue Growth

1st percentile

-23%

Faster revenue growth than 1% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets5th percentile

Assets

Down

$102,146,141

Down $3,161,151 (-3.0%) from 2023

Liabilities

Down

$71,006,027

Down $4,353,174 (-5.8%) from 2023

Net Assets

Up

$31,140,114

Up $1,192,023 (+4.0%) from 2023

Operations
Liabilities / Revenue10th percentileNet Margin92nd percentile

Revenue

Down

$6,691,691

Down $1,957,263 (-23%) from 2023

Expenses

Up

$4,902,007

Up $235,569 (+5.0%) from 2023

Net Income

Down

$1,789,684

Down $2,192,832 (-55%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth11th percentile

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

$150M$100M$50M$0Assets 2011: $89,373,331Liabilities 2011: $60,005,490Net Assets 2011: $29,367,8412011Assets 2012: $87,243,145Liabilities 2012: $59,054,876Net Assets 2012: $28,188,2692012Assets 2013: $84,227,730Liabilities 2013: $56,588,784Net Assets 2013: $27,638,9462013Assets 2014: $80,948,383Liabilities 2014: $53,309,392Net Assets 2014: $27,638,9912014Assets 2015: $85,747,382Liabilities 2015: $56,727,041Net Assets 2015: $29,020,3412015Assets 2016: $84,877,001Liabilities 2016: $56,347,667Net Assets 2016: $28,529,3342016Assets 2017: $87,436,903Liabilities 2017: $59,283,120Net Assets 2017: $28,153,7832017Assets 2018: $88,888,822Liabilities 2018: $60,267,612Net Assets 2018: $28,621,2102018Assets 2019: $82,769,839Liabilities 2019: $58,344,883Net Assets 2019: $24,424,9562019Assets 2020: $96,822,240Liabilities 2020: $69,876,357Net Assets 2020: $26,945,8832020Assets 2021: $104,195,562Liabilities 2021: $75,999,250Net Assets 2021: $28,196,3122021Assets 2022: $102,430,082Liabilities 2022: $75,220,258Net Assets 2022: $27,209,8242022Assets 2023: $105,307,292Liabilities 2023: $75,359,201Net Assets 2023: $29,948,0912023Assets 2024: $102,146,141Liabilities 2024: $71,006,027Net Assets 2024: $31,140,1142024

Highlighted filing

2024

Assets$102,146,141
Liabilities$71,006,027
Net Assets$31,140,114
Open 2024 Filing

Operations Trend

Revenue Growth1st percentile

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

$10M$5.0M$0Revenue 2011: $5,683,226Expenses 2011: $5,444,200Net Income 2011: $239,0262011Expenses 2012: $5,813,7092012Revenue 2013: $5,866,056Expenses 2013: $5,087,430Net Income 2013: $778,6262013Revenue 2014: $5,479,827Expenses 2014: $4,535,344Net Income 2014: $944,4832014Revenue 2015: $5,581,822Expenses 2015: $4,617,390Net Income 2015: $964,4322015Revenue 2016: $5,413,884Expenses 2016: $4,907,561Net Income 2016: $506,3232016Revenue 2017: $4,681,290Expenses 2017: $4,571,307Net Income 2017: $109,9832017Revenue 2018: $4,334,998Expenses 2018: $4,123,033Net Income 2018: $211,9652018Revenue 2019: $4,391,671Expenses 2019: $4,138,351Net Income 2019: $253,3202019Revenue 2020: $4,285,880Expenses 2020: $3,649,648Net Income 2020: $636,2322020Revenue 2021: $4,097,760Expenses 2021: $3,662,086Net Income 2021: $435,6742021Revenue 2022: $4,630,080Expenses 2022: $3,845,711Net Income 2022: $784,3692022Revenue 2023: $8,648,954Expenses 2023: $4,666,438Net Income 2023: $3,982,5162023Revenue 2024: $6,691,691Expenses 2024: $4,902,007Net Income 2024: $1,789,6842024

Highlighted filing

2024

Revenue$6,691,691
Expenses$4,902,007
Net Income$1,789,684
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$102,146,141
Liabilities
$71,006,027
Net assets
$31,140,114
Revenue
$6,691,691
Expenses
$4,902,007
Net income
$1,789,684
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$102$71.0$31.1$6.69$4.90$1.79
2023Detailed filing. Detailed filing data is available for this year.$105$75.4$29.9$8.65$4.67$3.98
2022Detailed filing. Detailed filing data is available for this year.$102$75.2$27.2$4.63$3.85$0.78
2021Detailed filing. Detailed filing data is available for this year.$104$76.0$28.2$4.10$3.66$0.44
2020Detailed filing. Detailed filing data is available for this year.$96.8$69.9$26.9$4.29$3.65$0.64
2019Detailed filing. Detailed filing data is available for this year.$82.8$58.3$24.4$4.39$4.14$0.25
2018Detailed filing. Detailed filing data is available for this year.$88.9$60.3$28.6$4.33$4.12$0.21
2017Detailed filing. Detailed filing data is available for this year.$87.4$59.3$28.2$4.68$4.57$0.11
2016Summary only. Only limited summary data is available for this year.$84.9$56.3$28.5$5.41$4.91$0.51
2015Summary only. Only limited summary data is available for this year.$85.7$56.7$29.0$5.58$4.62$0.96
2014Summary only. Only limited summary data is available for this year.$80.9$53.3$27.6$5.48$4.54$0.94
2013Detailed filing. Detailed filing data is available for this year.$84.2$56.6$27.6$5.87$5.09$0.78
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$87.2$59.1$28.2$5.81
2011Summary only. Only limited summary data is available for this year.$89.4$60.0$29.4$5.68$5.44$0.24
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Sep 26, 2025
Return Version
2024v5.0
Gross Receipts
$6,691,691
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 make a social investment in the community.

To provide financial services as loans savings and accounts mainly to low income sector of peope in puerto rico. Also, credit union makea social invesment in the community.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$58,586,625$59,272,330▲ $685,705
Cap Stk Tr Prin Current Funds$22,049,811$21,418,905▼ $630,906
Investments Other Securities$15,174,449$17,935,973▲ $2,761,524
Pd in Cap Srpls Land Bldg Eqp Fund$7,698,280$9,421,209▲ $1,722,929
Cash and Non-Interest-Bearing Accounts$16,507,529$8,977,049▼ $7,530,480
Savings and Temporary Cash Investments$5,357,682$6,570,201▲ $1,212,519
Investments Program Related$4,274,334$4,522,262▲ $247,928
Land, Buildings, and Equipment, Net$4,298,537$4,202,295▼ $96,242
Prepaid Expenses and Deferred Charges$0$366,344▲ $366,344
Rtn Earn Endowment Incm Other Fnds$200,000$300,000▲ $100,000
Receivables From Officers Etc$80,110$0▼ $80,110
Other Notes and Loans Receivable, Net$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Total Assets$105,307,292$102,146,141▼ $3,161,151
Other Assets Total$1,028,026$299,687▼ $728,339
Liabilities
Other Liabilities$74,395,828$70,184,406▼ $4,211,422
Accounts Payable and Accrued Expenses$963,373$821,621▼ $141,752
Total Liabilities$75,359,201$71,006,027▼ $4,353,174
Net Assets / Fund Balance
Total Net Assets Fund Balance$29,948,091$31,140,114▲ $1,192,023
Total Liabilities and Net Assets / Fund Balance$105,307,292$102,146,141▼ $3,161,151

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,315,545$1,723,722$0
Other Land Buildings$1$41,893$0
Land$880,000-$0
Equipment$743,875$832,571$0
Leasehold Improvements$262,874$1,388,105$0
Other Securities$65,036--
Closely Held Equity Interests$0--
Financial Derivatives$0--
Compensation and Service Providers
Top Officer Pay3rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Ivis N Valles RiveraExecutive PresidentFT$92,053$92,053
Yajaira Rivera NazarioControllerFT$56,986$56,986
Jonathan Rosa QuinonezOfficer of ComplianceFT$43,230$43,230
Jessica I Quijano MorellVP OperationsFT$25,458$25,458

Highest Paid Contractors

ContractorServicesLocationCompensation
Helvetia Del CaribeProgram Services386 Calle Via 11 390, Carolina, PR 00983$214,359
Triple S SaludHealt InsurnacePO BOX 71548, San Juan, PR 00936-8648$164,514
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$0
Investment Income
$5,121,848
Other Revenue
$1,569,843
Change in Net Assets
$1,789,684

Audited Revenue Reconciliation

Revenue per Audited Statements
$6,691,691
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$6,691,691
Total Revenue per Form 990
$6,691,691
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,498,930
Salaries, Compensation, and Employee Benefits$1,403,077
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
All Other Expenses$0$1,205,443$0$1,205,443
Other Salaries and Wages$0$1,009,434$0$1,009,434
Interest$0$551,235$0$551,235
Insurance$0$446,092$0$446,092
Depreciation Depletion$0$310,235$0$310,235
Current Officers, Directors, Trustees, and Key Employees$0$217,727$0$217,727
Fees for Services Other$0$202,828$0$202,828
Payroll Taxes$0$124,065$0$124,065
Advertising$0$100,018$0$100,018
Other Expenses$0$77,500$0$77,500
Pension Plan Contributions$0$51,851$0$51,851
Office Expenses$0$38,693$0$38,693
Conferences and Meetings$0$25,000$0$25,000
Fees for Services Legal$0$4,164$0$4,164
Total Functional Expenses$0$4,902,007$0$4,902,007

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$4,902,007
Total Expenses per Audited Statements$4,902,007
Total Expenses per Form 990$4,902,007
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$80,110$0▼ $80,110
Receivables from Disqualified Persons$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Deposits$55,412,939
Certificate of Deposits$14,771,467
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". Each member contributes at least 120 dollars in shares.”

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

“Each year the organization performs its annual stockholders meeting, each year the organization performs its annual stockholders meeting,”

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

“Where members of the governing board are elected for three year period.”

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

“The organization has to send every three months a report on compliance with laws and regulations to the regulator in this case cossec”

Form 990, Part VI, Section B, Line 15

“The board of directors performs its annual stockholders meeting where members of the governing board are elected for a three-year period. Also audited financial statements members of the governing board are elected for a three-year period. Also audited financial statements at the annual meeting.”

Form 990, Part VI, Section C, Line 19

“Also the ceo has an employment formal contract or agreement each year the organization performs its annual stockholdrs meeting where members of the governing board are lected for a three-year period. Also audited financial statements are discussed by the board of directors with members. Financial statements are available for each member at the annual meeting.”

Filing and Contact Details

Filer

Filer Name
Cooperativa De Ahorro Y Credito Morovena
EIN
66-0329330
Phone
7878627440
Address
PO BOX 577, MOROVIS, PR 00687

Signing Officer

Name
Ivis N Valles Rivera
Title
Executive President
Phone
7878627440
Signed
2025-09-26

Organization Details

Principal Officer
Ivis N Valles Rivera
Formed
1953
Legal Domicile
Pr
Voting Board Members
7
Independent Board Members
7
Employees
60
Volunteers
0
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Other professional services”

Form 990, Part IX, Line 24E

“OTHER EXPENSES”

Form 990, Part XI, Line 9

“DECREASES IN SHARE $630906; INCREASES IN THE INDIVISIBLE CAPITAL RESERVE $58,404; INCREASES IN SOCIAL CAPITAL RESERVE $88,083; INCREASES CONTINGENCIES RESERVE $1,321,535; INCREASES IN RESERVE CONTIGENCIES REQUIRED BY COSSEC $ 109,744; INCREASES ACCUMULATED COMPRESSIVE LOSS $145,162; Form 990, Part VI, Section C, Line 19 - ALSO THE CEO HAS AN EMPLOYMENT FORMAL CONTRACT OR AGREEMENT EACH YEAR SURPLUS $1,789,684.”

Raw XML AppendixShowing 400 of 529 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.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0963373
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0821621
IRS990/AccountsReceivableGrp/BOYAmt058586625
IRS990/AccountsReceivableGrp/EOYAmt059272330
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO PROVIDE FINANCIAL SERVICES AS LOANS SAVINGS AND ACCOUNTS MAINLY TO LOW INCOME SECTOR OF PEOPE IN PUERTO RICO. ALSO, CREDIT UNION MAKEA SOCIAL INVESMENT IN THE COMMUNITY.
IRS990/AdvertisingGrp/FundraisingAmt00
IRS990/AdvertisingGrp/ManagementAndGeneralAmt0100018
IRS990/AdvertisingGrp/ProgramServicesAmt00
IRS990/AdvertisingGrp/TotalAmt0100018
IRS990/AllOtherExpensesGrp/FundraisingAmt00
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt01205443
IRS990/AllOtherExpensesGrp/ProgramServicesAmt00
IRS990/AllOtherExpensesGrp/TotalAmt01205443
IRS990/AnnualDisclosureCoveredPrsnInd00
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd00
IRS990/BenefitsToMembersGrp/ProgramServicesAmt00
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0COOPERATIVA DE AHORRO Y CREDITO DE MOROVIS
IRS990/BooksInCareOfDetail/PhoneNum07878627440
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0PO BOX 577
IRS990/BooksInCareOfDetail/USAddress/CityNm0MOROVIS
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0PR
IRS990/BooksInCareOfDetail/USAddress/ZIPCd000687
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt022049811
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt021418905
IRS990/CashNonInterestBearingGrp/BOYAmt016507529
IRS990/CashNonInterestBearingGrp/EOYAmt08977049
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt02
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt00
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt0217727
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0217727
IRS990/CompDisqualPersonsGrp/FundraisingAmt00
IRS990/CompDisqualPersonsGrp/ManagementAndGeneralAmt00
IRS990/CompDisqualPersonsGrp/ProgramServicesAmt00
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/FundraisingAmt00
IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt025000
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt00
IRS990/ConferencesMeetingsGrp/TotalAmt025000
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt0214359
IRS990/ContractorCompensationGrp/CompensationAmt1164514
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt0386 Calle Via 11 390
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt1PO BOX 71548
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0CAROLINA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1SAN JUAN
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0PR
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1PR
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd000983
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd1009368648
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0HELVETIA DEL CARIBE
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1TRIPLE S SALUD
IRS990/ContractorCompensationGrp/ServicesDesc0PROGRAM SERVICES
IRS990/ContractorCompensationGrp/ServicesDesc1HEALT INSURNACE
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt05121848
IRS990/CYOtherExpensesAmt03498930
IRS990/CYOtherRevenueAmt01569843
IRS990/CYProgramServiceRevenueAmt00
IRS990/CYRevenuesLessExpensesAmt01789684
IRS990/CYSalariesCompEmpBnftPaidAmt01403077
IRS990/CYTotalExpensesAmt04902007
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt06691691
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/FundraisingAmt00
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt0310235
IRS990/DepreciationDepletionGrp/ProgramServicesAmt00
IRS990/DepreciationDepletionGrp/TotalAmt0310235
IRS990/Desc0THE PRIMARY PURPOSE OF THE COOPERATIVE IS TO RECEIVE DEPOSITS FROM ITS PARTNERS IN THE FORM OF SAVINGS AND STOCK, AND PROVIDE A SOURCE OF FINANCING AT LOWER COST THAN OFFERED BY OTHER FINANCIAL INSTITUTIONS. THE COOPERATIVE OFFERS A VARIETY OF FINANCIAL SERVICES, INCLUDING BUT NOT LIMITED TO SAVINGS AND CHECKING ACCOUNTS, PERSONAL LOANS, MORTGAGE LOANS, COMMERCIAL LOANS, RESOLVING CREDIT LINES AND OTHERS FINANCING SERVICES. INTEREST INCOME OF $6,691,691 AND TOTAL EXPENSES OF $4,902,007.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd00
IRS990/DonatedServicesAndUseFcltsAmt00
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt060
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/ExpenseAmt00
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditPerformedInd01
IRS990/FederalGrantAuditRequiredInd01
IRS990/FeesForServicesAccountingGrp/FundraisingAmt00
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt00
IRS990/FeesForServicesAccountingGrp/TotalAmt00
IRS990/FeesForServicesLegalGrp/FundraisingAmt00
IRS990/FeesForServicesLegalGrp/ManagementAndGeneralAmt04164
IRS990/FeesForServicesLegalGrp/ProgramServicesAmt00
IRS990/FeesForServicesLegalGrp/TotalAmt04164
IRS990/FeesForServicesLobbyingGrp/FundraisingAmt00
IRS990/FeesForServicesLobbyingGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesLobbyingGrp/ProgramServicesAmt00
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/FundraisingAmt00
IRS990/FeesForServicesManagementGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesManagementGrp/ProgramServicesAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/FundraisingAmt00
IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt0202828
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt0202828
IRS990/FeesForServicesProfFundraising/FundraisingAmt00
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/FundraisingAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/ManagementAndGeneralAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/ProgramServicesAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignGrantsGrp/ProgramServicesAmt00
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt140
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt240
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt340
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd3X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/PersonNm0IVIS N VALLES RIVERA
IRS990/Form990PartVIISectionAGrp/PersonNm1YAJAIRA RIVERA NAZARIO
IRS990/Form990PartVIISectionAGrp/PersonNm2JONATHAN ROSA QUINONEZ
IRS990/Form990PartVIISectionAGrp/PersonNm3JESSICA I QUIJANO MORELL
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt092053
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt156986
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt243230
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt325458
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/TitleTxt0EXECUTIVE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1CONTROLLER
IRS990/Form990PartVIISectionAGrp/TitleTxt2OFFICER OF COMPLIANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt3VP OPERATIONS
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01953
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantAmt00
IRS990/GrantsToDomesticIndividualsGrp/ProgramServicesAmt00
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/ProgramServicesAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt06691691
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/FundraisingAmt00
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt00
IRS990/InformationTechnologyGrp/ProgramServicesAmt00
IRS990/InformationTechnologyGrp/TotalAmt00
IRS990/InsuranceGrp/FundraisingAmt00
IRS990/InsuranceGrp/ManagementAndGeneralAmt0446092
IRS990/InsuranceGrp/ProgramServicesAmt00
IRS990/InsuranceGrp/TotalAmt0446092
IRS990/IntangibleAssetsGrp/BOYAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/FundraisingAmt00
IRS990/InterestGrp/ManagementAndGeneralAmt0551235
IRS990/InterestGrp/ProgramServicesAmt00
IRS990/InterestGrp/TotalAmt0551235
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt05121848
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt05121848
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt015174449
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt017935973
IRS990/InvestmentsProgramRelatedGrp/BOYAmt04274334
IRS990/InvestmentsProgramRelatedGrp/EOYAmt04522262
IRS990/InvestmentsPubTradedSecGrp/BOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt03986291
IRS990/LandBldgEquipBasisNetGrp/BOYAmt04298537
IRS990/LandBldgEquipBasisNetGrp/EOYAmt04202295
IRS990/LandBldgEquipCostOrOtherBssAmt08188586
IRS990/LegalDomicileStateCd0PR
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/ExclusionAmt00
IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt01569843
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt01569843
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/MissionDesc0TO PROVIDE FINANCIAL SERVICES AS LOANS, SAVINGS AND ACCOUNTS MAINLY TO LOW INCOME SECTOR OF PEOPLE IN PUERTO RICO. ALSO CREDIT UNION MAKE A SOCIAL INVESTMENT IN THE COMMUNITY.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt029948091
IRS990/NetAssetsOrFundBalancesEOYAmt031140114
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/FundraisingAmt00
IRS990/OccupancyGrp/ManagementAndGeneralAmt00
IRS990/OccupancyGrp/ProgramServicesAmt00
IRS990/OccupancyGrp/TotalAmt00
IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt038693
IRS990/OfficeExpensesGrp/ProgramServicesAmt00
IRS990/OfficeExpensesGrp/TotalAmt038693
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01028026
IRS990/OtherAssetsTotalGrp/EOYAmt0299687
IRS990/OtherChangesInNetAssetsAmt0-597661
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt00
IRS990/OtherExpensesGrp/Desc0MAINTENANCE
IRS990/OtherExpensesGrp/Desc1UTILITIES
IRS990/OtherExpensesGrp/Desc2HEALTH INSURANCE
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSSES
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt20
IRS990/OtherExpensesGrp/FundraisingAmt30
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt0224299
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt1148909
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt2164514
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt377500
IRS990/OtherExpensesGrp/ProgramServicesAmt00
IRS990/OtherExpensesGrp/ProgramServicesAmt10
IRS990/OtherExpensesGrp/ProgramServicesAmt20
IRS990/OtherExpensesGrp/ProgramServicesAmt30
IRS990/OtherExpensesGrp/TotalAmt0224299
IRS990/OtherExpensesGrp/TotalAmt1148909
IRS990/OtherExpensesGrp/TotalAmt2164514
IRS990/OtherExpensesGrp/TotalAmt377500
IRS990/OtherLiabilitiesGrp/BOYAmt074395828
IRS990/OtherLiabilitiesGrp/EOYAmt070184406
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueTotalAmt01569843
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt01009434
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt01009434
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt00
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt00
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/FundraisingAmt00
IRS990/PaymentsToAffiliatesGrp/ManagementAndGeneralAmt00
IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt0124065
IRS990/PayrollTaxesGrp/ProgramServicesAmt00
IRS990/PayrollTaxesGrp/TotalAmt0124065
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt07698280
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt09421209
IRS990/PensionPlanContributionsGrp/FundraisingAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt051851
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt051851
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt00
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0366344
IRS990/PrincipalOfficerNm0IVIS N VALLES RIVERA
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt04713288
IRS990/PymtTravelEntrtnmntPubOfclGrp/FundraisingAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/ManagementAndGeneralAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/ProgramServicesAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt03367984
IRS990/PYOtherRevenueAmt03935666
IRS990/PYProgramServiceRevenueAmt00
IRS990/PYRevenuesLessExpensesAmt03982516
IRS990/PYSalariesCompEmpBnftPaidAmt01298454
IRS990/PYTotalExpensesAmt04666438
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt08648954
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt080110
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt01789684
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt00
IRS990/RoyaltiesGrp/FundraisingAmt00
IRS990/RoyaltiesGrp/ManagementAndGeneralAmt00
IRS990/RoyaltiesGrp/ProgramServicesAmt00
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0200000
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0300000
IRS990/SavingsAndTempCashInvstGrp/BOYAmt05357682
IRS990/SavingsAndTempCashInvstGrp/EOYAmt06570201
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt02315545
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01723722
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt04039267
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/CloselyHeldEquityInterestsGrp/BookValueAmt00
IRS990ScheduleD/CloselyHeldEquityInterestsGrp/MethodValuationCd0C
IRS990ScheduleD/DonatedServicesAndUseFcltsAmt00
IRS990ScheduleD/DonatedServicesUseFcltsAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt0743875
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0832571
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt01576446
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt04902007
IRS990ScheduleD/FinancialDerivativesGrp/BookValueAmt00
IRS990ScheduleD/FinancialDerivativesGrp/MethodValuationCd0C
IRS990ScheduleD/InvestmentExpensesNotIncld2Amt00
IRS990ScheduleD/InvestmentExpensesNotIncldAmt00
IRS990ScheduleD/LandGrp/BookValueAmt0880000
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0880000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0262874
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt01388105
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt01650979
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LossesReportedAmt00
IRS990ScheduleD/NetUnrealizedGainsInvstAmt00
IRS990ScheduleD/OtherExpensesIncludedAmt00
IRS990ScheduleD/OtherExpensesNotIncludedAmt00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.