Cooperativa Ahorro Y Credito Pepiniana
501(c)(14)
Only null% goes to programs Strong reserves Growing revenue
Cooperativa Ahorro Y Credito Pepiniana is a 501(c)(14) organization based in San Sebastian, Puerto Rico, registered in 1986, with $5,938,940 in FY2024 revenue. CharityIndex grades it B.
Carr 111 Km 17 9 Bo Guatemala, San Sebastian, PR, 00685 EIN 66-0312690 Since 1986
Revenue (FY2024)
$5.9M
▲ 9.7% vs prior year
Expenses (FY2024)
$5.0M
Net assets
$15.1M
Employees
—
CharityIndex rating
One independent A+ to F grade from four published criteria, each scored separately from IRS filings and combined by weight.
B
★★★★
Rated on 2 of 4 criteria — the rest aren't reported in this filing type.
Held down by its weakest criterion — a strong score on one criterion can't hide a weak one.
How the rating works →—Program efficiency40% of the ratingNo expense breakdown in filings
Measures how much of every dollar spent actually reaches programs, plus what it costs to raise $100 of donations. The worse of the two measures sets the letter (85%+ to programs is an A; under $15 to raise $100 is an A), averaged over the three most recent filings. Not scored for Cooperativa Ahorro Y Credito Pepiniana— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
AFinancial health25% of the rating36 mo reserves · +15% margin
Measures whether the organization is built to last: how many months its reserves would cover expenses (3+ months earns an A-range score, but hoarding 5+ years of budget is capped) and whether it runs a surplus or a deficit. For Cooperativa Ahorro Y Credito Pepiniana: 36 mo reserves · +15% margin earns a A on this criterion. See the exact thresholds →
—Governance25% of the ratingNot reported in this filing type
Checks how the organization is run, from its own Form 990: an independent board majority, a board of five or more, conflict-of-interest, whistleblower and document-retention policies, and independently audited financials. The share of disclosed checks that pass sets the letter. Not scored for Cooperativa Ahorro Y Credito Pepiniana— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
CTransparency10% of the rating2 of 5 disclosure signals
Counts five disclosure signals: a recent filing, a mission statement, program descriptions, a listed website, and the full expense breakdown. More disclosure, better letter. For Cooperativa Ahorro Y Credito Pepiniana: 2 of 5 disclosure signals earns a C on this criterion. See the exact thresholds →
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Contact & location
- Address
- Carr 111 Km 17 9 Bo Guatemala, San Sebastian, PR, 00685
- City
- San Sebastian
- State
- Puerto Rico
- Category
- —
- Subcategory
- —
- Website
- …
Financial trends
Revenue grew from $4.0M (FY2015) to $5.9M (FY2024) across 10 reported years.
Financial snapshot
Financial health & position (FY2024)
Liabilities $104.9MNet assets $15.1M
Operating margin
15.4%
Revenue exceeded expenses in the latest fiscal year.
Total assets
$120.0M
Total liabilities
$104.9M
Net assets
$15.1M
Financials by year
| Fiscal year | Revenue | Expenses | Net assets | Total assets | Form |
|---|---|---|---|---|---|
| 2024 | $5,938,940▲9.7% | $5,026,479▲7.6% | $15,102,904▲2.7% | $119,998,962▲3.0% | 990 |
| 2023 | $5,412,427▲10.0% | $4,671,211▲10.6% | $14,708,597▲0.8% | $116,485,705▼4.1% | 990 |
| 2022 | $4,922,172▲7.2% | $4,222,523▼4.3% | $14,594,663▼2.2% | $121,528,846▼0.1% | 990 |
| 2021 | $4,591,333▲16.8% | $4,414,554▲6.3% | $14,916,283▼0.5% | $121,698,718▲13.3% | 990 |
| 2020 | $3,932,481▼4.1% | $4,151,035▼11.2% | $14,995,537▼1.2% | $107,433,726▲13.2% | 990 |
| 2019 | $4,100,738▲25.8% | $4,676,944▲0.4% | $15,185,003▼4.5% | $94,892,934▲1.2% | 990 |
| 2018 | $3,259,424▲0.7% | $4,659,101▲14.8% | $15,897,970▼11.4% | $93,775,762▲0.3% | 990 |
| 2017 | $3,237,406▼18.9% | $4,059,921▼9.2% | $17,947,174▼7.5% | $93,509,654▲0.1% | 990 |
| 2016 | $3,991,897▲1.0% | $4,472,467▲26.3% | $19,403,834▼4.9% | $93,461,410▼0.1% | 990 |
| 2015 | $3,953,970 | $3,540,613 | $20,395,033 | $93,511,078 | 990 |
Original Form 990 PDFs (the Form column) are served by ProPublica Nonprofit Explorer, as filed with the IRS. Create a free account to download the CSV report.
Grants received · $19K total
2 grants to Cooperativa Ahorro Y Credito Pepiniana totaling $19K, reported by foundations on their Schedule I filings.
| Grantmaker | Purpose | Year | Amount |
|---|---|---|---|
| Inclusiv Inc | Racial equity grand award refg 2024 | 2024 | $8,270 |
| Inclusiv Inc | Credit union impact capacity building | 2023 | $10,500 |
Frequently asked questions
- Is Cooperativa Ahorro Y Credito Pepiniana a legitimate nonprofit?
- Yes. Cooperativa Ahorro Y Credito Pepiniana is a 501(c)(14) organization registered with the U.S. Internal Revenue Service under EIN 66-0312690, based in San Sebastian, Puerto Rico.
- What is Cooperativa Ahorro Y Credito Pepiniana's EIN?
- Cooperativa Ahorro Y Credito Pepiniana's Employer Identification Number (EIN) is 66-0312690.
- How much revenue does Cooperativa Ahorro Y Credito Pepiniana report?
- Cooperativa Ahorro Y Credito Pepiniana reported $5,938,940 in total revenue on its fiscal year 2024 IRS Form 990 filing.
- What financial grade does Cooperativa Ahorro Y Credito Pepiniana have?
- CharityIndex grades Cooperativa Ahorro Y Credito Pepiniana B, based on financial health (reserves and operating margin).
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Data for Cooperativa Ahorro Y Credito Pepiniana (EIN 66-0312690) comes from the IRS Business Master File and e-filed Form 990 returns, via CharityIndex. Figures reflect what the organization reported to the IRS for each fiscal year.