Cooperativa De Ahorro Y Credito Dr M Zeno Gandia
501(c)(14)
Only null% goes to programs Strong reserves Growing revenue
Cooperativa De Ahorro Y Credito Dr M Zeno Gandia is a 501(c)(14) organization based in Arecibo, Puerto Rico, registered in 1985, with $16,401,971 in FY2024 revenue. CharityIndex grades it B.
Urb Villa Los Santos Carr 653 Km 1, Arecibo, PR, 00612 EIN 66-0227873 Since 1985
Revenue (FY2024)
$16.4M
▲ 1.8% vs prior year
Expenses (FY2024)
$12.3M
Net assets
$68.0M
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 Dr M Zeno Gandia— 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 rating67 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 Dr M Zeno Gandia: 67 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 Dr M Zeno Gandia— 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 Dr M Zeno Gandia: 2 of 5 disclosure signals earns a C on this criterion. See the exact thresholds →
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Contact & location
- Address
- Urb Villa Los Santos Carr 653 Km 1, Arecibo, PR, 00612
- City
- Arecibo
- State
- Puerto Rico
- Category
- —
- Subcategory
- —
- Website
- …
Financial trends
Revenue grew from $9.3M (FY2019) to $16.4M (FY2024) across 6 reported years.
Financial snapshot
Financial health & position (FY2024)
Liabilities $208.1MNet assets $68.0M
Operating margin
25.2%
Revenue exceeded expenses in the latest fiscal year.
Total assets
$276.2M
Total liabilities
$208.1M
Net assets
$68.0M
Financials by year
| Fiscal year | Revenue | Expenses | Net assets | Total assets | Form |
|---|---|---|---|---|---|
| 2024 | $16,401,971▲1.8% | $12,276,346▲19.2% | $68,038,599▲4.8% | $276,177,412▲0.3% | 990 |
| 2023 | $16,104,186▲40.6% | $10,299,360▲15.7% | $64,898,272▲7.1% | $275,358,165▲0.2% | 990 |
| 2022 | $11,452,610▼2.5% | $8,905,119▼4.8% | $60,598,933▲6.4% | $274,854,644▲2.1% | 990 |
| 2021 | $11,746,637▲13.8% | $9,353,852▼2.4% | $56,946,612▲10.5% | $269,257,849▲12.2% | 990 |
| 2020 | $10,322,702▲11.1% | $9,580,820▲24.0% | $51,557,108▲5.2% | $240,085,334▲16.6% | 990 |
| 2019 | $9,294,919 | $7,728,240▼10.2% | $48,993,185▲23.1% | $205,915,825▲8.1% | 990 |
| 2012 | — | $8,606,830 | $39,799,745 | $190,485,323 | 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 Dr M Zeno Gandia a legitimate nonprofit?
- Yes. Cooperativa De Ahorro Y Credito Dr M Zeno Gandia is a 501(c)(14) organization registered with the U.S. Internal Revenue Service under EIN 66-0227873, based in Arecibo, Puerto Rico.
- What is Cooperativa De Ahorro Y Credito Dr M Zeno Gandia's EIN?
- Cooperativa De Ahorro Y Credito Dr M Zeno Gandia's Employer Identification Number (EIN) is 66-0227873.
- How much revenue does Cooperativa De Ahorro Y Credito Dr M Zeno Gandia report?
- Cooperativa De Ahorro Y Credito Dr M Zeno Gandia reported $16,401,971 in total revenue on its fiscal year 2024 IRS Form 990 filing.
- What financial grade does Cooperativa De Ahorro Y Credito Dr M Zeno Gandia have?
- CharityIndex grades Cooperativa De Ahorro Y Credito Dr M Zeno Gandia B, based on financial health (reserves and operating margin).
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Data for Cooperativa De Ahorro Y Credito Dr M Zeno Gandia (EIN 66-0227873) 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.