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Cooperativa De Ahorro Y Credito San Jose

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Organization summary might be incomplete or out of date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.

Summary charts: organization finances over time

Revenue
$22M (2023)

Expenses
$14.4M (2023)

Total Assets
$297M (2023)

Total Liabilities
$213M (2023)

Source: Form 990 tax filings from 2020 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
$21,995,808
Expenses
$14,350,797
Net Income
$7,645,011
Net Assets
$84,000,481
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $11,116,879
50.5%
Investment Income $3,406,562
15.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $128,941
0.6%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $7,343,426
33.4%
Notable Expenses Percent of Total Expenses
Executive Compensation $1,160,597
8.1%
Professional Fundraising Fees $0
Other Salaries and Wages $1,679,157
11.7%
Assets/Debt
Total Assets $297,071,118
Total Liabilities $213,070,637
Net Assets $84,000,481
Compensation
Key Employees and Officers Compensation Related Other
Ricky Berrios Figueroa (Ceo) $179,898 $0 $0
Yahaira Santiago Andaluz (Executive Vice President) $100,015 $0 $0
Fernando L Figueroa Rivera (Financial Officer) $70,387 $0 $0
Luz E Ortiz Rosario (Compliance Officer) $64,359 $0 $0
Carlos H Rodriguez Nieves (Manager) $61,836 $0 $0
Edanise Santiago Ortiz (Manager) $61,226 $0 $0
Jason Caldera Torres (Manager) $60,801 $0 $0
Hector De Jesus Nunez (System Officer) $55,057 $0 $0
Abimael Gonzalez Rolon (System Officer) $53,626 $0 $0
Ivette M Cartagena Rivera (Human Resources Officer) $53,576 $0 $0
Carmen Rosario Gonzalez (Mortgage Department Supervisor) $51,788 $0 $0
Glenda I Rivera Ortiz (Operations Officer) $47,651 $0 $0
Sarid Bermudez Vazquez (Operations Officer) $45,699 $0 $0
Maria V Correa Rivera (Billing Supervisor) $45,045 $0 $0
Laurimar Berrios Rosario (Operations Officer) $44,349 $0 $0
Johanna Segarra Ortiz (Operations Officer) $44,299 $0 $0
Lino Alberto Ortiz Tapia (Register Supervisor) $43,033 $0 $0
Ana Elsa Alicea Collazo (Register Supervisor) $39,513 $0 $0
Felix X Morales Colon (Systems Officer) $30,876 $0 $0
Lester Guzman Tirado (Auditor Manager) $7,373 $0 $0
Zoraida Santos Reyes (Director Board Of Director) $0 $0 $2,709
Evelyn Quiles Rosario (Vice President Board Of Director) $0 $0 $2,528
Jorge L Santos Ortiz (President Board Of Director) $0 $0 $2,500
Carlos G Vazquez Cartagena (Director Board Of Director) $0 $0 $2,063
Angel A Ramos Aponte (Sub Treasurer Board Of Director) $0 $0 $1,974

Document Links

Fiscal Year Ending Dec.
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$15,562,374
Expenses
$11,470,820
Net Income
$4,091,554
Net Assets
$76,067,030
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $10,216,193
65.6%
Investment Income $1,125,251
7.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $120,721
0.8%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $4,100,209
26.3%
Notable Expenses Percent of Total Expenses
Executive Compensation $1,097,121
9.6%
Professional Fundraising Fees $0
Other Salaries and Wages $1,691,850
14.7%
Assets/Debt
Total Assets $271,976,055
Total Liabilities $195,909,025
Net Assets $76,067,030
Compensation
Key Employees and Officers Compensation Related Other
Ricky Berrios Figueroa (Ceo) $176,956 $0 $0
Yahaira Santiago Andaluz (Executive Vice President) $92,909 $0 $0
Luz E Ortiz Rosario (Compliance Officer) $61,383 $0 $0
Fernando L Figueroa Rivera (Financial Officer) $60,559 $0 $0
Jason Caldera Torres (Manager) $55,793 $0 $0
Carlos H Rodriguez Nieves (Manager) $55,793 $0 $0
Edanise Santiago Ortiz (Manager) $55,793 $0 $0
Carmen Rosario Gonzalez (Mortgage Department Supervisor) $52,246 $0 $0
Ivette M Cartagena Rivera (Human Resources Officer) $51,237 $0 $0
Hector De Jesus Nunez (System Officer) $50,445 $0 $0
Abimael Gonzalez Rolon (System Officer) $49,051 $0 $0
Glenda I Rivera Ortiz (Operations Officer) $46,542 $0 $0
Maria V Correa Rivera (Billing Supervisor) $43,246 $0 $0
Sarid Bermudez Vazquez (Operations Officer) $41,944 $0 $0
Johanna Segarra Ortiz (Operations Officer) $41,935 $0 $0
Laurimar Berrios Rosario (Operations Officer) $41,917 $0 $0
Lino Alberto Ortiz Tapia (Register Supervisor) $41,294 $0 $0
Ana Elsa Alicea Collazo (Register Supervisor) $37,810 $0 $0
Felix X Morales Colon (Systems Officer) $24,079 $0 $0
Evelyn Quiles Rosario (Vice President Board Of Director) $0 $0 $4,162
Jorge L Santos Ortiz (President Board Of Director) $0 $0 $2,734
Rafael Santos Balibrea (Treasurer Board Of Director) $0 $0 $2,484
Edgardo Rodriguez Morales (Sub Secretary Board Of Directors) $0 $0 $2,190
Angel A Ramos Aponte (Sub Treasurer Board Of Director) $0 $0 $2,035
Reinaldo Vidal Lopez (Vice President Board Of Director) $0 $0 $1,224

Document Links

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$13,966,516
Expenses
$11,247,020
Net Income
$2,719,496
Net Assets
$71,266,609
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $9,864,049
70.6%
Investment Income $214,575
1.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $127,097
0.9%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $3,760,795
26.9%
Notable Expenses Percent of Total Expenses
Executive Compensation $850,452
7.6%
Professional Fundraising Fees $0
Other Salaries and Wages $1,788,905
15.9%
Assets/Debt
Total Assets $253,903,787
Total Liabilities $182,637,178
Net Assets $71,266,609
Compensation
Key Employees and Officers Compensation Related Other
Ricky Berrios Figueroa (Ceo) $151,480 $0 $0
Yahaira Santiago Andaluz (Executive Vice President) $91,409 $0 $0
Luz E Ortiz Rosario (Compliance Officer) $56,658 $0 $0
Fernando L Figueroa Rivera (Financial Officer) $51,157 $0 $0
Jason Caldera Torres (Operations Officer) $50,386 $0 $0
Carlos H Rodriguez Nieves (Cidra Branch Manager) $50,384 $0 $0
Edanise Santiago Ortiz (Operations Officer) $47,823 $0 $0
Carmen Rosario Gonzalez (Mortgage Department Supervisor) $45,744 $0 $0
Ivette M Cartagena Rivera (Human Resources Officer) $44,144 $0 $0
Maria V Correa Rivera (Billing Supervisor) $39,069 $0 $0
Glenda I Rivera Ortiz (Operations Officer) $38,675 $0 $0
Lino Alberto Ortiz Tapia (Register Supervisor) $37,598 $0 $0
Sarid Bermudez Vazquez (Operations Officer) $37,476 $0 $0
Laurimar Berrios Rosario (Operations Officer) $37,338 $0 $0
Johanna Segarra Ortiz (Operations Officer) $36,804 $0 $0
Ana Elsa Alicea Collazo (Register Supervisor) $34,307 $0 $0
Evelyn Quiles Rosario (Subsecretary Board Of Director) $0 $0 $2,080
Angel A Ramos Aponte (Director Board Of Director) $0 $0 $1,825
Jorge L Santos Ortiz (President Board Of Director) $0 $0 $1,400
Myrna Domenech Soto (Secretary Board Of Director) $0 $0 $1,370
Rafael Santos Balibrea (Treasurer Board Of Director) $0 $0 $1,220
Esther Colon Roche (Sub Secretary Board Of Director) $0 $0 $1,040
Reinaldo Vidal Lopez (Vice President Board Of Director) $0 $0 $895
Jorge A Colon Colon (Director Board Of Director) $0 $0 $850
Edgardo Rodriguez Morales (Director Board Of Directors) $0 $0 $265

Document Links

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$11,822,315
Expenses
$11,084,388
Net Income
$737,927
Net Assets
$65,376,647
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $10,062,277
85.1%
Investment Income $427,933
3.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $110,435
0.9%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $1,221,670
10.3%
Notable Expenses Percent of Total Expenses
Executive Compensation $849,313
7.7%
Professional Fundraising Fees $0
Other Salaries and Wages $1,778,546
16.0%
Assets/Debt
Total Assets $220,432,676
Total Liabilities $155,056,029
Net Assets $65,376,647
Compensation
Key Employees and Officers Compensation Related Other
Ricky Berrios Figueroa (Ceo) $163,677 $0 $0
Yahaira Santiago Andaluz (Executive Vice President) $66,001 $0 $0
Luz E Ortiz Rosario (Compliance Officer) $59,298 $0 $0
Fernando L Figueroa Rivera (Financial Officer) $57,397 $0 $0
Jason Caldera Torres (Operations Officer) $51,831 $0 $0
Carlos H Rodriguez Nieves (Cidra Branch Manager) $48,221 $0 $0
Carmen Rosario Gonzalez (Mortgage Department Supervisor) $47,234 $0 $0
Edanise Santiago Ortiz (Operations Officer) $45,736 $0 $0
Ivette M Cartagena Rivera (Human Resources Officer) $44,589 $0 $0
Maria V Correa Rivera (Billing Supervisor) $39,725 $0 $0
Glenda I Rivera Ortiz (Operations Officer) $38,349 $0 $0
Laurimar Berrios Rosario (Operations Officer) $38,349 $0 $0
Lino Alberto Ortiz Tapia (Register Supervisor) $38,331 $0 $0
Sarid Bermudez Vazquez (Operations Officer) $38,149 $0 $0
Johanna Segarra Ortiz (Operations Officer) $37,714 $0 $0
Ana Elsa Alicea Collazo (Register Supervisor) $34,712 $0 $0
Angel A Ramos Aponte (Treasurer Board Of Director) $0 $0 $1,690
Jorge A Colon Colon (Vice President Board Of Director) $0 $0 $1,532
Jorge L Santos Ortiz (President Board Of Director) $0 $0 $1,225
Myrna Domenech Soto (Secretary Board Of Director) $0 $0 $1,152
Wilfredo Fuentes Berrios (Ub Treasurer Board Of Director) $0 $0 $1,055
Evelyn Quiles Rosario (Director Board Of Director) $0 $0 $1,026
Rafael Santos Balibrea (Director Board Of Director) $0 $0 $810
Reinaldo Vidal Lopez (Director Board Of Director) $0 $0 $623
Esther Colon Roche (Sub Secretary Board Of Director) $0 $0 $510

Document Links

Fiscal Year Ending Dec.
2019

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

Fiscal Year Ending Dec.
2018

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

Fiscal Year Ending Dec.
2016

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

Fiscal Year Ending Dec.
2015

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

Fiscal Year Ending Dec.
2014

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

Fiscal Year Ending Dec.
2013

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

Fiscal Year Ending Dec.
2012

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

Fiscal Year Ending Dec.
2011

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

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

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

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

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

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

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.

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