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Cooperativa De Ahorro Y Credito De Aguada

  • Aguada, PR
  • Tax-exempt since April 1986
  • EIN: 66-0217490

Organization summary

Organization summary might be incomplete or out of date

This organization is not listed in the IRS's most recent list of tax exempt organizations, but we have data associated with this Employer Identification Number.

Type of Nonprofit

Designated as a State-chartered credit unions and mutual reserve funds.

Donations to this organization are not tax deductible.

Summary charts: organization finances over time

Revenue
$7.18M (2021)

Expenses
$7.48M (2021)

Total Assets
$0 (2021)

Total Liabilities
$0 (2021)

Source: Form 990 tax filings from 2011 to 2021

Tax Filings by Year

Form 990 is an information return that most organizations claiming federal tax-exempt status must file yearly with the IRS. Nonprofit Explorer has IRS digitized Form 990 data for filings processed in 2012 and later. If this organization filed an amended return, it may not be reflected below. Duplicate download links may indicate a resubmission or amendment to this organization's original return. Form 990 data is from the IRS.

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$7,181,261
Expenses
$7,480,646
Net Income
-$299,385
Net Assets
$0
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $0
Investment Income $6,237,235
86.9%
Bond Proceeds $0
Royalties $0
Rental Property Income $400,261
5.6%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $543,765
7.6%
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $1,047,139
14.0%
Assets/Debt
Total Assets $0
Total Liabilities $0
Net Assets $0
Compensation
Key Employees and Officers Compensation Related Other
Patricia E Colon (Trustee) $0 $0 $0

Document Links

990
Filed on Dec. 7, 2022

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
XML

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$8,401,945
Expenses
$7,842,085
Net Income
$559,860
Net Assets
-$59,761,334
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $0
Investment Income $7,402,045
88.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $430,628
5.1%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $569,272
6.8%
Notable Expenses Percent of Total Expenses
Executive Compensation $380,958
4.9%
Professional Fundraising Fees $0
Other Salaries and Wages $1,121,716
14.3%
Assets/Debt
Total Assets $190,471,174
Total Liabilities $250,232,508
Net Assets -$59,761,334
Compensation
Key Employees and Officers Compensation Related Other
Raul M Anglero (General Manager (Ceased)) $146,466 $0 $0
Rosa I Bonilla Aviles (Manager) $60,395 $0 $0
Miriam Soto Soto (Mortgage Supervisor) $48,540 $0 $0
Elizabeth Rivera Perez (Accounting Manager) $45,048 $0 $0
Wanda I Traverso Mendoza (Executive Officer) $40,711 $0 $0
Gabriel E Chaparro Ramos (Admin Officer Comercial Loans) $39,798 $0 $0
+ View more people

Document Links

990
Filed on Oct. 16, 2021

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
XML

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$10,002,293
Expenses
$8,463,265
Net Income
$1,539,028
Net Assets
-$63,092,726
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $0
Investment Income $8,018,226
80.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $476,239
4.8%
Net Fundraising $0
Sales of Assets $780,311
7.8%
Net Inventory Sales $0
Other Revenue $727,517
7.3%
Notable Expenses Percent of Total Expenses
Executive Compensation $364,643
4.3%
Professional Fundraising Fees $0
Other Salaries and Wages $1,175,949
13.9%
Assets/Debt
Total Assets $174,005,226
Total Liabilities $237,097,952
Net Assets -$63,092,726
Compensation
Key Employees and Officers Compensation Related Other
Raul Anglero (General Manager) $104,127 $0 $0
Rosa I Bonilla Aviles (Manager) $67,711 $0 $0
Elizabeth Rivera Perez (Accounting Manager) $50,671 $0 $0
Miriam Soto Soto (Mortgage Supervisor) $48,998 $0 $0
Gabriel E Chaparro Ramos (Admin Officer Comercial Loans) $47,221 $0 $0
Wanda I Traverso Mendoza (Executive Officer) $45,915 $0 $0
+ View more people

Document Links

990
Filed on Nov. 16, 2020

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
XML

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$22,599,767
Expenses
$22,050,937
Net Income
$548,830
Net Assets
-$64,867,578
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $0
Investment Income $8,545,038
37.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $483,244
2.1%
Net Fundraising $0
Sales of Assets $9,864,127
43.6%
Net Inventory Sales $0
Other Revenue $3,707,358
16.4%
Notable Expenses Percent of Total Expenses
Executive Compensation $252,999
1.1%
Professional Fundraising Fees $0
Other Salaries and Wages $1,430,902
6.5%
Assets/Debt
Total Assets $189,861,348
Total Liabilities $254,728,926
Net Assets -$64,867,578
Compensation
Key Employees and Officers Compensation Related Other
Rosa I Bonilla Aviles (Manager) $66,607 $0 $0
Elizabeth Rivera Perez (Accounting Manager) $49,315 $0 $0
Miriam Soto Soto (Mortgage Supervisor) $46,900 $0 $0
Gabriel E Chaparro Ramos (Admin Officer Comercial Loans) $46,037 $0 $0
Wanda I Traverso Mendoza (Executive Officer) $44,140 $0 $0
+ View more people

Document Links

990
Filed on Nov. 15, 2019

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$10,144,709
Expenses
$77,430,056
Net Income
-$67,285,347
Net Assets
-$65,434,863
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $8,999,444
88.7%
Investment Income $202,600
2.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $427,558
4.2%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $515,107
5.1%
Notable Expenses Percent of Total Expenses
Executive Compensation $334,244
0.4%
Professional Fundraising Fees $0
Other Salaries and Wages $0
Assets/Debt
Total Assets $217,962,985
Total Liabilities $283,397,848
Net Assets -$65,434,863
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Angel L Aviles Gonzalez (Executive President Interim) $79,302 $0 $0
Rosa I Bonilla Aviles (Manager) $66,608 $0 $0
Elizabeth Rivera Perez (Accounting Manager) $48,898 $0 $0
Miriam Soto Soto (Mortgage Supervisor) $48,681 $0 $0
Gabriel E Chaparro Ramos (Admin Officer Comercial Loans) $45,634 $0 $0
Wanda I Traverso Mendoza (Executive Officer) $45,121 $0 $0
+ View more people

Document Links

990
Filed on June 7, 2018

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
XML

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$13,015,218
Expenses
$15,828,415
Net Income
-$2,813,197
Net Assets
$1,678,776
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $11,877,107
91.3%
Investment Income $115,037
0.9%
Bond Proceeds $0
Royalties $0
Rental Property Income $499,333
3.8%
Net Fundraising $0
Sales of Assets $50,704
0.4%
Net Inventory Sales $0
Other Revenue $473,037
3.6%
Notable Expenses Percent of Total Expenses
Executive Compensation $460,675
2.9%
Professional Fundraising Fees $0
Other Salaries and Wages $0
Assets/Debt
Total Assets $315,263,231
Total Liabilities $313,584,455
Net Assets $1,678,776
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Juan Figueroa Ruiz (Ex President) $112,896 $0 $0
Angel L Aviles Gonzalez (Ex Vice President) $80,461 $0 $0
Rosa I Bonilla Aviles (Manager) $67,583 $0 $0
Efren A Ramos Roman (Manager) $58,982 $0 $0
Elizabeth Rivera Perez (Accounting Manager) $49,941 $0 $0
Wanda I Traverso Mendoza (Executive Officer) $45,714 $0 $0
Gabriel E Chaparro Ramos (Admin Officer Comercial Loans) $45,098 $0 $0
+ View more people

Document Links

990
Filed on June 14, 2017

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$17,794,261
Expenses
$15,068,904
Net Income
$2,725,357
Net Assets
$5,001,091
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $16,299,003
91.6%
Investment Income $263,411
1.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $534,073
3.0%
Net Fundraising $0
Sales of Assets -$11,194
Net Inventory Sales $0
Other Revenue $708,968
4.0%
Notable Expenses Percent of Total Expenses
Executive Compensation $451,896
3.0%
Professional Fundraising Fees $0
Other Salaries and Wages $0
Assets/Debt
Total Assets $362,361,019
Total Liabilities $357,359,928
Net Assets $5,001,091
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Juan Figueroa Ruiz (Ex President) $110,822 $0 $0
Angel L Aviles Gonzalez (Ex Vice President) $81,434 $0 $0
Rosa I Bonilla Aviles (Manager) $64,893 $0 $0
Efren A Ramos Roman (Manager) $59,792 $0 $0
Elizabteh Rivera Peres (Accounting Manager) $47,939 $0 $0
Wanda I Traverso Mendoza (Executive Officer) $43,695 $0 $0
Gabriel E Chaparro Ramos (Admin Officer Comercial Loans) $43,321 $0 $0
Orlando Ramirez (President) $0 $0 $0
Dario Medina (Vice President) $0 $0 $0
Doris M Traverso (Secretary) $0 $0 $0
Erick W Lopez (Treasurer) $0 $0 $0
Dario Medina (Sub Treasurer) $0 $0 $0
+ View more people

Document Links

990
Filed on June 3, 2016

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$21,093,823
Expenses
$24,000,218
Net Income
-$2,906,395
Net Assets
-$25,078,019
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $19,929,283
94.5%
Investment Income $406,827
1.9%
Bond Proceeds $0
Royalties $0
Rental Property Income $491,608
2.3%
Net Fundraising $0
Sales of Assets -$288,839
Net Inventory Sales $0
Other Revenue $554,944
2.6%
Notable Expenses Percent of Total Expenses
Executive Compensation $200,588
0.8%
Professional Fundraising Fees $0
Other Salaries and Wages $0
Assets/Debt
Total Assets $374,977,043
Total Liabilities $400,055,062
Net Assets -$25,078,019
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Juan Figueroa Ruiz (Ex President) $118,023 $0 $0
Angel L Aviles Gonzalez (Ex Vice President) $82,565 $0 $0
Miguel A Ruiz Acevedo (President) $0 $0 $0
Dario Medina Mendez (Vice President) $0 $0 $0
Juan J Rodriguez (Secretary) $0 $0 $0
Erick W Lopez Ortiz (Treasurer) $0 $0 $0
Edgardo Hernandez Avila (Sub Treasurer) $0 $0 $0
+ View more people

Document Links

990
Filed on Aug. 3, 2015

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$20,459,562
Expenses
$22,152,805
Net Income
-$1,693,243
Net Assets
-$24,746,545
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $20,806,477
> 100%
Investment Income $185,734
0.9%
Bond Proceeds $0
Royalties $0
Rental Property Income $517,810
2.5%
Net Fundraising $0
Sales of Assets -$1,557,715
Net Inventory Sales $0
Other Revenue $507,256
2.5%
Notable Expenses Percent of Total Expenses
Executive Compensation $201,817
0.9%
Professional Fundraising Fees $0
Other Salaries and Wages $0
Assets/Debt
Total Assets $414,158,316
Total Liabilities $438,904,861
Net Assets -$24,746,545
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Juan Figueroa Ruiz (Ex. President) $116,565 $0 $0
Angel L Aviles Gonzalez (Ex. Vice Pres) $85,252 $0 $0
Evaristo Quinonez Ruiz (President) $0 $0 $0
Orlando Ramirez Torres (Vice President) $0 $0 $0
Josefa Lopez Olivo (Secretary) $0 $0 $0
Miguel A Ruiz Acevedo (Treasurer) $0 $0 $0
Juan J Rodriguez (Sub Secretary) $0 $0 $0
Dario Medina Mendez (Sub Treasurer) $0 $0 $0
+ View more people

Document Links

990
Filed on Nov. 17, 2014

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2012

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$24,298,353
Expenses
$22,162,085
Net Income
$2,136,268
Net Assets
$5,966,901
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $21,567,943
88.8%
Investment Income $182,128
0.7%
Bond Proceeds $0
Royalties $0
Rental Property Income $500,716
2.1%
Net Fundraising $0
Sales of Assets $1,332,272
5.5%
Net Inventory Sales $0
Other Revenue $715,294
2.9%
Notable Expenses Percent of Total Expenses
Executive Compensation $193,929
0.9%
Professional Fundraising Fees $0
Other Salaries and Wages $2,476,398
11.2%
Assets/Debt
Total Assets $465,424,838
Total Liabilities $459,457,937
Net Assets $5,966,901

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2011

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$27,025,411
Expenses
$37,164,532
Net Income
-$10,139,121
Net Assets
$13,253,630
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $22,877,593
84.7%
Investment Income $162,295
0.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $263,161
1.0%
Net Fundraising $0
Sales of Assets $183,771
0.7%
Net Inventory Sales $2,895,023
10.7%
Other Revenue $643,568
2.4%
Notable Expenses Percent of Total Expenses
Executive Compensation $362,100
1.0%
Professional Fundraising Fees $0
Other Salaries and Wages $3,622,102
9.7%
Assets/Debt
Total Assets $476,968,535
Total Liabilities $463,714,905
Net Assets $13,253,630

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2010

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF
PDF (2 of 2)

Fiscal Year Ending Dec.
2009

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2008

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2007

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2005

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2004

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

About This Data

Nonprofit Explorer includes summary data for nonprofit tax returns and full Form 990 documents, in both PDF and digital formats.

The summary data contains information processed by the IRS during the 2012-2019 calendar years; this generally consists of filings for the 2011-2018 fiscal years, but may include older records. This data release includes only a subset of what can be found in the full Form 990s.

In addition to the raw summary data, we link to PDFs and digital copies of full Form 990 documents wherever possible. This consists of separate releases by the IRS of Form 990 documents processed by the agency, which we update regularly.

We also link to copies of audits nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year since 2016. These audits are copied from the Federal Audit Clearinghouse.

Which Organizations Are Here?

Every organization that has been recognized as tax exempt by the IRS has to file Form 990 every year, unless they make less than $200,000 in revenue and have less than $500,000 in assets, in which case they have to file form 990-EZ. Organizations making less than $50,000 don’t have to file either form but do have to let the IRS they’re still in business via a Form 990N "e-Postcard."

Nonprofit Explorer has organizations claiming tax exemption in each of the 27 subsections of the 501(c) section of the tax code, and which have filed a Form 990, Form 990EZ or Form 990PF. Taxable trusts and private foundations that are required to file a form 990PF are also included. Small organizations filing a Form 990N "e-Postcard" are not included in this data.

Types of Nonprofits

There are 27 nonprofit designations based on the numbered subsections of section 501(c) of the tax code. See the list »

Get the Data

For those interested in acquiring the original data from the source, here’s where our data comes from:

  • Raw filing data. Includes EINs and summary financials as structured data.
  • Exempt Organization profiles. Includes organization names, addresses, etc. You can merge this with the raw filing data using EIN numbers.
  • Form 990 documents. Prior to 2017, these documents were obtained and processed by Public.Resource.org and ProPublica. Bulk PDF downloads since 2017 are available from the IRS.
  • Form 990 documents as XML files. Includes complete filing data (financial details, names of officers, tax schedules, etc.) in machine-readable format. Only available for electronically filed documents. Electronic data released prior to October 2021 is also available through Amazon Web Services.
  • Audits. PDFs of single or program-specific audits for nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year. Available for fiscal year 2015 and later.

API

The data powering this website is available programmatically, via an API. Read the API documentation »

Byline

By Andrea Suozzo, Alec Glassford and Ash Ngu, ProPublica, and Brandon Roberts, Special to ProPublica.
Design by Jeff Frankl. Additional development by Ken Schwencke, Mike Tigas, and Sisi Wei.

E-file viewer adapted from IRS e-File Viewer by Ben Getson. Code for scraping audit documents adapated from Govwiki.

Updated