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COOPERATIVA DE AHORRO Y CREDITO MAUNABO

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Public IRS 990 nonprofit record

COOPERATIVA DE AHORRO Y CREDITO MAUNABO

EIN 66-0271958 · Telecommunications (W50)

What they do

to PROVIDE ACCESSIBLE FINANCIAL SERVICES to OUR MEMBERS and CUSTOMERS IN ACCORDANCE WITH THE PHILOSOPHY of THE COOPERATIVE MOVEMENT and SOCIAL ECONOMY.

Before you give

Should I give to this charity?

Easy charity check
Look at where the money went

Of every $100 spent, about $0.00 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 leaders12 people are listed in the latest report.

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

Money made simple

$73.53spent for every $100 of revenueRevenue covered expenses this year.
73.53%of revenue went to management and office costs100.0% of expenses
$22.81in assets for every $1 spent this yearSome assets cannot be spent right away.

Ask these three easy questions

  1. Who did you help? Ask for a recent story or report that shows real results.
  2. What will my money do? Ask exactly what your gift will pay for.
  3. 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 $201,365 for CARLOS A CRESPO RAMOS (EXECUTIVE PRESIDENT). 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.

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$14,698,939
Mission workProgram services0.00% of revenue0.0% of expenses
ManagementOffice and general costs$10,808,20173.53% of revenue100.0% of expenses
FundraisingAsking for donations0.00% of revenue0.0% of expenses
Revenue left after expensesReported annual surplus$3,890,73826.47% of revenueShown in gray on the chart
Total expenses$10,808,20173.53% 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: 0.0% mission · 100.0% management · 0.0% fundraisingTotal expenses: 73.53% of revenue
2024Expense mix: 0.0% mission · 100.0% management · 0.0% fundraisingTotal expenses: 63.35% of revenue
2023Expense mix: 100.0% mission · 100.0% management · 0.0% fundraisingTotal expenses: 60.73% of revenue
2022Expense mix: 100.0% mission · 100.0% management · 0.0% fundraisingTotal expenses: 80.60% of revenue
2021Expense mix: 100.0% mission · 100.0% management · 0.0% fundraisingTotal expenses: 86.58% of revenue
2020Expense mix: 100.0% mission · 100.0% management · 0.0% fundraisingTotal expenses: 94.02% of revenue
2018Expense mix: 0.0% mission · 100.0% management · 0.0% fundraisingTotal expenses: 92.92% of revenue
2017Expense mix: 0.0% mission · 100.0% management · 0.0% fundraisingTotal expenses: 92.93% of revenue

Money in and money out

Revenue$14,698,939
Expenses$10,808,201
Annual surplus $3,890,738 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.

Management and office costs$10,808,201 · 100.0% of expenses
See all reported dollar amounts
Revenue$14,698,939
Expenses$10,808,201
Assets$246,568,910
Income$14,698,939
Management and general$10,808,201
Stocks and bonds$56,987,849
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
CARLOS A CRESPO RAMOSEXECUTIVE PRESIDENT · 40 hrs/week $201,365
ANGEL RIVERA RUIZFINANCE VICEPRESIDENT · 40 hrs/week $82,680
NOEMI SANCHEZ RODRIGUEZCOMPLIANCE MANAGER · 40 hrs/week $61,381
REBECCA GUTIERREZ PERALTACOLLECTION MANAGER · 40 hrs/week $55,598
HECTOR MELENDEZ RODRIGUEZBRANCH MANAGER · 40 hrs/week $54,288
LILLIAN DEFENDINI ORTIZBRANCH MANAGER · 40 hrs/week $46,717
MERILYN RIVERA LEBRONBRANCH MANAGER · 40 hrs/week $44,346
KEILA SOSTRE LAMBBRANCH MANAGER · 40 hrs/week $44,034
VIVIAN VELEZ FLORESACCOUNTING MANAGER · 40 hrs/week $42,973
NERY VALLE VEGACALL CENTER MANAGER · 40 hrs/week $42,966
NELLY CRUZ TORRESBRANCH MANAGER · 40 hrs/week $39,582
EDDIE C LEBRON RIVERAMARKETING PROMOTION AND EDUCATION OFFICER · 40 hrs/week $36,525

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 (12)

CARLOS A CRESPO RAMOSEXECUTIVE PRESIDENT

ANGEL RIVERA RUIZFINANCE VICEPRESIDENT

NOEMI SANCHEZ RODRIGUEZCOMPLIANCE MANAGER

REBECCA GUTIERREZ PERALTACOLLECTION MANAGER

HECTOR MELENDEZ RODRIGUEZBRANCH MANAGER

LILLIAN DEFENDINI ORTIZBRANCH MANAGER

MERILYN RIVERA LEBRONBRANCH MANAGER

KEILA SOSTRE LAMBBRANCH MANAGER

VIVIAN VELEZ FLORESACCOUNTING MANAGER

NERY VALLE VEGACALL CENTER MANAGER

NELLY CRUZ TORRESBRANCH MANAGER

EDDIE C LEBRON RIVERAMARKETING PROMOTION AND EDUCATION OFFICER

About this charity

Recognized since
January 1989
Location
PO BOX 127, MAUNABO, PR 00707-0127
In care of
% CARLOS CRESPO
Primary officer
CARLOS CRESPO RAMOS, EXECUTIVE PRESIDENT

How to reach them

Filing and classification

Latest tax year
2025
Tax period began
January 1, 2025
Return type
990
Tax preparer
LLAVONA CASAS CPA PSC
NTEE classification
Telecommunications (W50)
IRS tax category
Telecommunications

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About this report: Information comes from public nonprofit records and may show the latest filing available.

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