Cooperativa De Ahorro Y Credito De Isabela
501(c)(14)
Only null% goes to programs Strong reserves Growing revenue
Cooperativa De Ahorro Y Credito De Isabela is a 501(c)(14) organization based in Isabela, Puerto Rico, registered in 1986, with $23,421,751 in FY2024 revenue. CharityIndex grades it B.
Po Box 552, Isabela, PR, 00662 EIN 66-0214491 Since 1986
Revenue (FY2024)
$23.4M
▲ 10.8% vs prior year
Expenses (FY2024)
$17.5M
Net assets
$119.0M
Employees
—
CharityIndex rating
One independent A+ to F grade from four published criteria, each scored separately from IRS filings and combined by weight.
B
—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 De Ahorro Y Credito De Isabela— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
B+Financial health25% of the rating82 mo reserves · +25% 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 De Ahorro Y Credito De Isabela: 82 mo reserves · +25% margin earns a B+ 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 De Ahorro Y Credito De Isabela— 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 De Ahorro Y Credito De Isabela: 2 of 5 disclosure signals earns a C on this criterion. See the exact thresholds →
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Contact & location
- Address
- Po Box 552, Isabela, PR, 00662
- City
- Isabela
- State
- Puerto Rico
- Category
- —
- Subcategory
- —
- Website
- …
Financial trends
Revenue grew from $14.4M (FY2019) to $23.4M (FY2024) across 6 reported years.
Financial snapshot
Financial health & position (FY2024)
Liabilities $249.1MNet assets $119.0M
Operating margin
25.4%
Revenue exceeded expenses in the latest fiscal year.
Total assets
$368.0M
Total liabilities
$249.1M
Net assets
$119.0M
Financials by year
| Fiscal year | Revenue | Expenses | Net assets | Total assets | Form |
|---|---|---|---|---|---|
| 2024 | $23,421,751▲10.8% | $17,483,218▲10.4% | $118,980,397▼0.2% | $368,039,174▲3.3% | 990 |
| 2023 | $21,144,677▲49.9% | $15,831,412▲29.7% | $119,251,492▼4.3% | $356,161,803▼0.9% | 990 |
| 2022 | $14,103,746▲0.8% | $12,205,860▼2.6% | $124,641,609▼2.9% | $359,459,273▼2.3% | 990 |
| 2021 | $13,991,392▼4.7% | $12,529,674▼6.6% | $128,348,494▲7.0% | $367,825,812▲4.1% | 990 |
| 2020 | $14,688,648▲1.8% | $13,414,334▲2.1% | $120,002,027▲0.8% | $353,368,534▲13.1% | 990 |
| 2019 | $14,428,836 | $13,144,663 | $119,072,862 | $312,356,717 | 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.
Frequently asked questions
- Is Cooperativa De Ahorro Y Credito De Isabela a legitimate nonprofit?
- Yes. Cooperativa De Ahorro Y Credito De Isabela is a 501(c)(14) organization registered with the U.S. Internal Revenue Service under EIN 66-0214491, based in Isabela, Puerto Rico.
- What is Cooperativa De Ahorro Y Credito De Isabela's EIN?
- Cooperativa De Ahorro Y Credito De Isabela's Employer Identification Number (EIN) is 66-0214491.
- How much revenue does Cooperativa De Ahorro Y Credito De Isabela report?
- Cooperativa De Ahorro Y Credito De Isabela reported $23,421,751 in total revenue on its fiscal year 2024 IRS Form 990 filing.
- What financial grade does Cooperativa De Ahorro Y Credito De Isabela have?
- CharityIndex grades Cooperativa De Ahorro Y Credito De Isabela B, based on financial health (reserves and operating margin).
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Data for Cooperativa De Ahorro Y Credito De Isabela (EIN 66-0214491) 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.