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Cooperativa De Ahorro Y Credito Camuy

  • Camuy, PR
  • Tax-exempt since July 1986
  • EIN: 66-0219584

Organization summary

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
$20.6M (2023)

Expenses
$13.7M (2023)

Total Assets
$320M (2023)

Total Liabilities
$223M (2023)

Source: Form 990 tax filings from 2011 to 2023

Tax Filings and Audits 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.

Audits are required to be submitted by nonprofit organizations that spend $750,000 or more in federal grant money in a fiscal year. "Single audits" look at the entire organization's finances and compliance, while other audits are program specific. Nonprofit Explorer has PDFs of audits for some nonprofits for fiscal year 2015 and later. Audit data is from the Federal Audit Clearinghouse.

Fiscal Year Ending Dec.
2023

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$20,587,482
Expenses
$13,653,220
Net Income
$6,934,262
Net Assets
$97,320,522
Notable Sources of Revenue Percent of Total Revenue
Contributions $3,000,000
14.6%
Program Services $0
Investment Income $15,471,780
75.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $2,115,702
10.3%
Notable Expenses Percent of Total Expenses
Executive Compensation $436,029
3.2%
Professional Fundraising Fees $0
Other Salaries and Wages $2,621,984
19.2%
Assets/Debt
Total Assets $320,383,128
Total Liabilities $223,062,606
Net Assets $97,320,522
Compensation
Key Employees and Officers Compensation Related Other
Michele Franqui Baquero (Executive President) $193,382 $0 $0
Emmanuel Roman Figueroa (Vicepresident Of Administration) $86,063 $0 $0
Alvin Atiles Tosado (Vicepresident Of Finance) $83,477 $0 $0
Nancy Lopz Quinones (Vicepresident Of Operations) $73,107 $0 $0
Jose F Ruiz Ramos (Board President) $0 $0 $0
Yamilka Ramos Nieves (Secretary) $0 $0 $0
Mayra Ortiz Ruiz (Sub Secretary) $0 $0 $0
Carlos A Morales Morell (Director) $0 $0 $0
Manuel Hermina Cajigas (Director) $0 $0 $0
Juan Sonera Gonzalez (Director) $0 $0 $0
Maria L Ramos Nieves (Vp Of Board Ofdirector) $0 $0 $0
Ana J Cordero Rosado (Director) $0 $0 $0
Sonia Mendez Guillama (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on July 17, 2024

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

View Filing
XML
Audit

Audit for an entity that spends $750,000+ in federal grant money in a fiscal year

PDF

Fiscal Year Ending Dec.
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$15,010,171
Expenses
$10,479,884
Net Income
$4,530,287
Net Assets
$98,103,892
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $0
Investment Income $11,606,780
77.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $3,403,391
22.7%
Notable Expenses Percent of Total Expenses
Executive Compensation $425,280
4.1%
Professional Fundraising Fees $0
Other Salaries and Wages $2,370,719
22.6%
Assets/Debt
Total Assets $290,823,177
Total Liabilities $192,719,285
Net Assets $98,103,892
Compensation
Key Employees and Officers Compensation Related Other
Michele Franqui Baquero (Executive President) $192,053 $0 $0
Emmanuel Roman Figueroa (Vicepresident Of Administration) $81,837 $0 $0
Alvin Atiles Tosado (Vicepresident Of Finance) $80,697 $0 $0
Nancy Lopz Quinones (Vicepresident Of Operations) $70,693 $0 $0
Manuel Hermina Cajigas (Board President) $0 $0 $0
Sonia Rivera Martinez (Secretary) $0 $0 $0
Yamilka Saavedra Tosado (Director) $0 $0 $0
Astrid Del C Jimenez Lopez (Director) $0 $0 $0
Jose F Ruiz Ramos (Director) $0 $0 $0
Juan Sonera Gonzalez (Director) $0 $0 $0
Maria L Ramos Nieves (Director) $0 $0 $0
Mayra L Ortiz Ruiz (Director) $0 $0 $0
Sonia Mendez Guillama (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on Nov. 14, 2023

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

View Filing
PDF XML

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$14,864,863
Expenses
$9,593,850
Net Income
$5,271,013
Net Assets
$97,020,862
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $0
Investment Income $9,428,519
63.4%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $5,436,344
36.6%
Notable Expenses Percent of Total Expenses
Executive Compensation $408,694
4.3%
Professional Fundraising Fees $0
Other Salaries and Wages $2,037,887
21.2%
Assets/Debt
Total Assets $291,444,292
Total Liabilities $194,423,430
Net Assets $97,020,862
Compensation
Key Employees and Officers Compensation Related Other
Michele Franqui Baquero (Executive President) $178,005 $0 $0
Emmanuel Roman Figueroa (Vicepresident Of Administration) $79,644 $0 $0
Alvin Atiles Tosado (Vicepresident Of Finance) $79,025 $0 $0
Nancy Lopz Quinones (Vicepresident Of Operations) $72,020 $0 $0
Manuel Hermina Cajigas (Board President) $0 $0 $0
Sonia Rivera Martinez (Secretary) $0 $0 $0
Yamilka Saavedra Tosado (Director) $0 $0 $0
Astrid Del C Jimenez Lopez (Director) $0 $0 $0
Jose F Ruiz Ramos (Director) $0 $0 $0
Juan Sonera Gonzalez (Director) $0 $0 $0
Maria L Ramos Nieves (Director) $0 $0 $0
Mayra L Ortiz Ruiz (Director) $0 $0 $0
Sonia Mendez Guillama (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on July 11, 2022

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

View Filing
XML
Audit

Audit for an entity that spends $750,000+ in federal grant money in a fiscal year

PDF

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$10,831,806
Expenses
$8,241,044
Net Income
$2,590,762
Net Assets
$86,070,032
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $0
Investment Income $9,166,375
84.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $1,665,431
15.4%
Notable Expenses Percent of Total Expenses
Executive Compensation $385,919
4.7%
Professional Fundraising Fees $0
Other Salaries and Wages $1,905,770
23.1%
Assets/Debt
Total Assets $217,010,002
Total Liabilities $130,939,970
Net Assets $86,070,032
Compensation
Key Employees and Officers Compensation Related Other
Michele Franqui Baquero (Executive President) $156,766 $0 $0
Alvin Atiles Tosado (Vicepresident Of Finance) $79,969 $0 $0
Emmanuel Roman Figueroa (Vicepresident Of Administration) $76,965 $0 $0
Nancy Lopz Quinones (Vicepresident Of Operations) $72,219 $0 $0
Manuel Hermina Cajigas (Board President) $0 $0 $0
Sonia Rivera Martinez (Secretary) $0 $0 $0
Yamilka Saavedra Tosado (Director) $0 $0 $0
Astrid Del C Jimenez Lopez (Director) $0 $0 $0
Jose F Ruiz Ramos (Director) $0 $0 $0
Juan Sonera Gonzalez (Director) $0 $0 $0
Maria L Ramos Nieves (Director) $0 $0 $0
Mayra L Ortiz Ruiz (Director) $0 $0 $0
Sonia Mendez Guillama (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on July 27, 2021

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

View Filing
PDF XML

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$11,189,413
Expenses
$8,314,605
Net Income
$2,874,808
Net Assets
$80,781,155
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $0
Investment Income $9,470,912
84.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $1,718,501
15.4%
Notable Expenses Percent of Total Expenses
Executive Compensation $410,499
4.9%
Professional Fundraising Fees $0
Other Salaries and Wages $2,293,693
27.6%
Assets/Debt
Total Assets $185,291,337
Total Liabilities $104,510,182
Net Assets $80,781,155

Document Links

990

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

PDF

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$9,542,007
Expenses
$14,084,880
Net Income
-$4,542,873
Net Assets
$83,355,768
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $0
Investment Income $8,403,649
88.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $1,138,358
11.9%
Notable Expenses Percent of Total Expenses
Executive Compensation $358,459
2.5%
Professional Fundraising Fees $0
Other Salaries and Wages $2,192,386
15.6%
Assets/Debt
Total Assets $181,186,186
Total Liabilities $97,830,418
Net Assets $83,355,768

Document Links

990

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

PDF

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$10,666,741
Expenses
$8,336,989
Net Income
$2,329,752
Net Assets
$95,479,526
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $0
Investment Income $9,544,905
89.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $1,121,836
10.5%
Notable Expenses Percent of Total Expenses
Executive Compensation $384,067
4.6%
Professional Fundraising Fees $0
Other Salaries and Wages $2,188,951
26.3%
Assets/Debt
Total Assets $190,304,039
Total Liabilities $94,824,513
Net Assets $95,479,526

No Document Links

The IRS has provided extracted financial data for this filing, but has not yet released the source documents.

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$11,069,532
Expenses
$7,737,152
Net Income
$3,332,380
Net Assets
$100,822,559
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $0
Investment Income $9,797,851
88.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $1,271,681
11.5%
Notable Expenses Percent of Total Expenses
Executive Compensation $382,097
4.9%
Professional Fundraising Fees $0
Other Salaries and Wages $2,197,597
28.4%
Assets/Debt
Total Assets $188,130,402
Total Liabilities $87,307,843
Net Assets $100,822,559

Document Links

990

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

PDF

Fiscal Year Ending Dec.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$11,451,446
Expenses
$7,080,130
Net Income
$4,371,316
Net Assets
$104,915,588
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $0
Investment Income $10,138,807
88.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $1,312,639
11.5%
Notable Expenses Percent of Total Expenses
Executive Compensation $494,371
7.0%
Professional Fundraising Fees $0
Other Salaries and Wages $0
Assets/Debt
Total Assets $188,994,386
Total Liabilities $84,078,798
Net Assets $104,915,588

Document Links

990

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

PDF

Fiscal Year Ending Dec.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$11,491,110
Expenses
$6,823,550
Net Income
$4,667,560
Net Assets
$105,438,914
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $0
Investment Income $10,185,067
88.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $1,306,043
11.4%
Notable Expenses Percent of Total Expenses
Executive Compensation $475,461
7.0%
Professional Fundraising Fees $0
Other Salaries and Wages $0
Assets/Debt
Total Assets $188,147,088
Total Liabilities $82,708,174
Net Assets $105,438,914

Document Links

990

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

PDF

Fiscal Year Ending Dec.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$12,234,564
Expenses
$6,351,387
Net Income
$5,883,177
Net Assets
$98,694,093
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $0
Investment Income $10,136,561
82.9%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $2,098,003
17.1%
Notable Expenses Percent of Total Expenses
Executive Compensation $497,132
7.8%
Professional Fundraising Fees $0
Other Salaries and Wages $0
Assets/Debt
Total Assets $184,971,033
Total Liabilities $86,276,940
Net Assets $98,694,093

Document Links

990

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

PDF

Fiscal Year Ending Dec.
2012

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$11,320,263
Expenses
$7,326,890
Net Income
$3,993,373
Net Assets
$84,529,478
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $0
Investment Income $10,187,675
90.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $1,132,588
10.0%
Notable Expenses Percent of Total Expenses
Executive Compensation $482,358
6.6%
Professional Fundraising Fees $0
Other Salaries and Wages $1,384,768
18.9%
Assets/Debt
Total Assets $174,586,621
Total Liabilities $90,057,143
Net Assets $84,529,478

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
$11,309,056
Expenses
$7,118,766
Net Income
$4,190,290
Net Assets
$78,922,207
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $0
Investment Income $10,295,354
91.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $1,013,702
9.0%
Notable Expenses Percent of Total Expenses
Executive Compensation $461,649
6.5%
Professional Fundraising Fees $0
Other Salaries and Wages $1,288,456
18.1%
Assets/Debt
Total Assets $168,354,773
Total Liabilities $89,432,566
Net Assets $78,922,207

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