COOPERATIVA DE AHORRO Y CREDITO SAN JOSE Charity Report

Public IRS 990 nonprofit record

COOPERATIVA DE AHORRO Y CREDITO SAN JOSE

EIN 66-0231533

What they do

NON-PROFIT ORGANIZATION CREATED UNDER THE COMMONWEALTH of PUERTO RICO. ITS A FINANCIAL INSTITUTION THAT RECEIVES SAVINGS FUNDS AS DEPOSITS and SHARES. ALSO PROVIDE FINANCING SOURCES of LOANS to MEMBERS AS PERSONAL, MORTGAGE, AUTOMOBILE and OTHERS.

Before you give

Should I give to this charity?

Easy charity check

Look at where the money went

Of every $100 spent, about $70.50 was reported for mission work. Use the spending picture below and ask what results that work produced.

Plain answer: A tax form cannot prove that a charity is doing good. It can show how the charity says it spent its money—and point out questions you should ask.

Basic facts we verified

IRS warning checkNo IRS revocation warning appears in this data.

Money report from 2025The charity has a recent tax report to read.

They explain their jobThe charity tells us what it is trying to do.

They name their leaders28 people are listed in the latest report.

You can reach themThey list contact information, so you can ask questions.

Money made simple

54.94%of revenue went to mission work70.5% of expenses · Program services

$77.91spent for every $100 of revenueRevenue covered expenses this year.

22.98%of revenue went to management and office costs29.5% of expenses

$18.04in assets for every $1 spent this yearSome assets cannot be spent right away.

Ask these three easy questions

Who did you help? Ask for a recent story or report that shows real results.
What will my money do? Ask exactly what your gift will pay for.
Is this really the charity? Give only through its official website or confirmed phone number.

Pay context: The highest compensation shown in this filing is $203,456 for RICKY BERRIOS FIGUEROA (CEO). Compare pay with organizations of similar size and complexity.

Bottom line: Do not decide from a name, mission statement, or tax status alone. Look at where the money went, then ask what changed, who was helped, and what your gift will do. YouCanGiveBack does not endorse or grade organizations.

Money

Financial picture

Tax year 2025

A plain-language look at the latest Form 990 figures available. These numbers help you ask better questions; they do not, by themselves, rate whether a charity is good or bad.

$100revenue

How each $100 of revenue was used

The large number compares each expense with revenue. The smaller number shows its share of total expenses.

Total reported revenue$23,248,058

Mission workProgram services$12,771,80154.94% of revenue70.5% of expenses

ManagementOffice and general costs$5,341,91322.98% of revenue29.5% of expenses

FundraisingAsking for donations0.00% of revenue0.0% of expenses

Revenue left after expensesReported annual surplus$5,134,34422.09% of revenueShown in gray on the chart

Total expenses$18,113,71477.91% of revenue

Gray means reported revenue left after expenses for this filing year. It does not necessarily mean cash sitting in a bank account.

Has the pattern changed?

Colored bars = expense mix: how each year’s expenses were divided. Total expenses vs. revenue shows whether the charity spent less or more than it received. The current filing is first.

YearExpense mixDetails

2025CurrentExpense mix: 70.5% mission · 29.5% management · 0.0% fundraisingTotal expenses: 77.91% of revenue

2024Expense mix: 70.3% mission · 29.7% management · 0.0% fundraisingTotal expenses: 79.02% of revenue

2023Expense mix: 69.0% mission · 31.0% management · 0.0% fundraisingTotal expenses: 65.24% of revenue

2022Expense mix: 67.2% mission · 32.8% management · 0.0% fundraisingTotal expenses: 73.71% of revenue

2021Expense mix: 67.1% mission · 32.9% management · 0.0% fundraisingTotal expenses: 80.53% of revenue

2020Expense mix: 67.1% mission · 32.9% management · 0.0% fundraisingTotal expenses: 93.76% of revenue

Money in and money out

Revenue$23,248,058

Expenses$18,113,714

Annual surplus $5,134,344 Revenue was higher than expenses for this filing year.

Reported spending amounts

Mission work means the Form 990 category called program services. These are reported accounting categories—not an independent measurement of results.

Mission work (program services)$12,771,801 · 70.5% of expenses

Management and office costs$5,341,913 · 29.5% of expenses

See all reported dollar amounts

Revenue$23,248,058

Expenses$18,113,714

Assets$326,739,758

Mission work (program services)$12,771,801

Management and general$5,341,913

Stocks and bonds$77,704,864

People

Leadership and board

Tax year 2025

Names, titles, time, and compensation below are reported by the organization on its Form 990.

People reported as paid

Person and titleCompensation

RICKY BERRIOS FIGUEROACEO · 40 hrs/week $203,456

YAHAIRA SANTIAGO ANDALUZEXECUTIVE VICE-PRESIDENT · 40 hrs/week $102,620

FERNANDO L FIGUEROA RIVERAFINANCIAL OFFICER · 40 hrs/week $89,060

LESTER GUZMAN TIRADOAUDITOR MANAGER · 40 hrs/week $78,492

GLENDA I RIVERA ORTIZOPERATIONS OFFICER · 40 hrs/week $69,008

EDANISE SANTIAGO ORTIZMANAGER · 40 hrs/week $66,912

CARLOS H RODRIGUEZ NIEVESMANAGER · 40 hrs/week $65,647

JASON CALDERA TORRESMANAGER · 40 hrs/week $65,598

LUZ E ORTIZ ROSARIOCOMPLIANCE OFFICER · 40 hrs/week $65,350

ABIMAEL GONZALEZ ROLONSYSTEM OFFICER · 40 hrs/week $56,318

HECTOR DE JESUS NUNEZSYSTEM OFFICER · 40 hrs/week $55,772

LAURIMAR BERRIOS ROSARIOOPERATIONS OFFICER · 40 hrs/week $52,102

Compensation alone does not tell whether pay is reasonable. Consider the charity’s size, work, location, and results.

See everyone listed on the board or leadership roster (28)

RICKY BERRIOS FIGUEROACEO

YAHAIRA SANTIAGO ANDALUZEXECUTIVE VICE-PRESIDENT

FERNANDO L FIGUEROA RIVERAFINANCIAL OFFICER

LESTER GUZMAN TIRADOAUDITOR MANAGER

GLENDA I RIVERA ORTIZOPERATIONS OFFICER

EDANISE SANTIAGO ORTIZMANAGER

CARLOS H RODRIGUEZ NIEVESMANAGER

JASON CALDERA TORRESMANAGER

LUZ E ORTIZ ROSARIOCOMPLIANCE OFFICER

ABIMAEL GONZALEZ ROLONSYSTEM OFFICER

HECTOR DE JESUS NUNEZSYSTEM OFFICER

LAURIMAR BERRIOS ROSARIOOPERATIONS OFFICER

SARID BERMUDEZ VAZQUEZOPERATIONS OFFICER

JOHANNA SEGARRA ORTIZOPERATIONS OFFICER

GRISEL DEL VALLE RIVERAOPERATION OFFICIAL

YORIMAR DIAZ ORTIZCOLLECTION SUPERVISOR

ANA ELSA ALICEA COLLAZOREGISTER SUPERVISOR

IVETTE M CARTAGENA RIVERAHUMAN RESOURCES OFFICER

FELIX X MORALES COLONSYSTEMS OFFICER

EDGARDO RODRIGUEZ MORALESPRESIDENT BOARD OF DIRECTORS

EVELYN QUILES ROSARIODIRECTOR BOARD OF DIRECTOR

CARLOS G VAZQUEZ CARTAGENASUB TREASURER BOARD OF DIRECTOR

RAFAEL SANTOS BALIBREATREASURER BOARD OF DIRECTOR

CARLOS HERNANDEZ ROSARIOVICE PRESIDENT BOARD OF DIRECTOR

ESTHER COLON ROCHESECRETARY BOARD OF DIRECTOR

REINALDO VIDAL LOPEZSUB SECRETARY BOARD OF DIRECTOR

JORGE ROSADODIRECTOR BOARD OF DIRECTOR

JOSE ROLONDIRECTOR BOARD OF DIRECTOR

About this charity

Location: CALLE DEGETAU ESQUINA VIZCARRONDO, AIBONITO, PR 00705
In care of: FERNANDO L FIGUEROA RIVERA
Primary officer: FERNANDO L FIGUEROA RIVERA, FINANCIAL OFFICER

How to reach them

WebsiteVisit the charity’s website Phone(787) 735-7474

Filing and classification

Latest tax year: 2025
Tax period began: January 1, 2025
Return type: 990
Tax preparer: JAVIER F ORTIZ DIAZ CPA CSP