COOPERATIVA DE AHORRO Y CREDITO MAUNABO: Form 990, tax year 2025

View the entire original 990 at ProPublica ↗

Organization: COOPERATIVA DE AHORRO Y CREDITO MAUNABO (EIN 66-0271958)
Tax period: 2025-01-01 to 2025-12-31
Filed: 2026-06-23
IRS object ID: 202641949349301719
Schema version: 2025v4.0
Source: Download XML · Original 990 at ProPublica

Every field in the e-filed return. Faint text is the IRS element name, for citing.

Return header
Form 990
Schedule D
Schedule J
Schedule L
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2026-06-23T09:22:12-07:00	ReturnTs
Tax Period End	2025-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	660722537	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	Llavona Casas CPA PSC	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	CENTRO INTERNACIONAL DE MERCADEO	AddressLine1Txt
Address Line2	100 STREET 165 TOWER 1 SUITE 708	AddressLine2Txt
City	GUAYNBO	CityNm
State Abbreviation	PR	StateAbbreviationCd
ZIP	00968	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2025-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	660271958	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	COOPERATIVA DE AHORRO Y CREDITO MAUNABO	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	COOP	BusinessNameControlTxt
Phone	7878612240	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 127	AddressLine1Txt
City	MAUNABO	CityNm
State Abbreviation	PR	StateAbbreviationCd
ZIP	00707	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	CARLOS CRESPO RAMOS	PersonNm
Person Title	EXECUTIVE PRESIDENT	PersonTitleTxt
Phone	7878622240	PhoneNum
Signature	2026-06-18	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	Fernando Llavona	PreparerPersonNm
PTIN	P01474680	PTIN
Phone	7877648664	PhoneNum
Preparation	2026-06-05	PreparationDt

Field	Value	IRS element (for citing)
Tax	2025	TaxYr
Build TS	2025-03-06 01:10:19Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	CARLOS A CRESPO RAMOS	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 127	AddressLine1Txt
City	MAUNABO	CityNm
State Abbreviation	PR	StateAbbreviationCd
ZIP	00707	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$14,698,939	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	MAUNACOOPPR.COM	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1965	FormationYr
Legal Domicile State	PR	LegalDomicileStateCd
Activity Or Mission	TO PROVIDE FINANCIAL SERVICES TO ITS MEMBERS AND CLIENTS FOLLOWING THE COOPERATIVE MOVEMENT PHILOSOPHY.	ActivityOrMissionDesc
Voting Members Governing Body	9	VotingMembersGoverningBodyCnt
Voting Members Independent	9	VotingMembersIndependentCnt
Total Employee	58	TotalEmployeeCnt
Total Volunteers	0	TotalVolunteersCnt
Total Gross UBI	$0	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$718,258	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$0	PYProgramServiceRevenueAmt
CY Program Service Revenue	$0	CYProgramServiceRevenueAmt
PY Investment Income	$12,425,266	PYInvestmentIncomeAmt
CY Investment Income	$12,546,324	CYInvestmentIncomeAmt
PY Other Revenue	$2,029,216	PYOtherRevenueAmt
CY Other Revenue	$2,152,615	CYOtherRevenueAmt
PY Total Revenue	$15,172,740	PYTotalRevenueAmt
CY Total Revenue	$14,698,939	CYTotalRevenueAmt
PY Grants And Similar Paid	$0	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$0	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$2,795,344	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$2,927,571	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$6,816,505	PYOtherExpensesAmt
CY Other Expenses	$7,880,630	CYOtherExpensesAmt
PY Total Expenses	$9,611,849	PYTotalExpensesAmt
CY Total Expenses	$10,808,201	CYTotalExpensesAmt
PY Revenues Less Expenses	$5,560,891	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$3,890,738	CYRevenuesLessExpensesAmt
Total Assets BOY	$238,450,251	TotalAssetsBOYAmt
Total Assets EOY	$246,568,910	TotalAssetsEOYAmt
Total Liabilities BOY	$152,874,848	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$157,047,793	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$85,575,403	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$89,521,117	NetAssetsOrFundBalancesEOYAmt
Mission	TO PROVIDE ACCESSIBLE FINANCIAL SERVICES TO OUR MEMBERS AND CUSTOMERS IN ACCORDANCE WITH THE PHILOSOPHY OF THE COOPERATIVE MOVEMENT AND SOCIAL ECONOMY.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	INTEREST INCOME AND OTHER INCOME OF $15,172,740 AND TOTAL EXPENSES OF $9,611,849	Desc
Total Other Prog Srvc Expense	$0	TotalOtherProgSrvcExpenseAmt
Total Other Prog Srvc Grant	$0	TotalOtherProgSrvcGrantAmt
Total Other Prog Srvc Revenue	$0	TotalOtherProgSrvcRevenueAmt
Total Program Service Expenses	$0	TotalProgramServiceExpensesAmt
Described In Section501c3	0	DescribedInSection501c3Ind
Schedule B Required	0	ScheduleBRequiredInd
Political Campaign Acty	0	PoliticalCampaignActyInd
Subject To Proxy Tax	0	SubjectToProxyTaxInd
Donor Advised Fund	0	DonorAdvisedFundInd
Conservation Easements	0	ConservationEasementsInd
Collections Of Art	0	CollectionsOfArtInd
Credit Counseling	0	CreditCounselingInd
Donor Rstr Or Quasi Endowments	0	DonorRstrOrQuasiEndowmentsInd
Report Land Building Equipment	Yes (1)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	0	ReportInvestmentsOtherSecInd
Report Program Related Invst	0	ReportProgramRelatedInvstInd
Report Other Assets	0	ReportOtherAssetsInd
Report Other Liabilities	Yes (1)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	0	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	Yes (1)	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	0	ConsolidatedAuditFinclStmtInd
School Operating	0	SchoolOperatingInd
Foreign Office	0	ForeignOfficeInd
Foreign Activities	0	ForeignActivitiesInd
More Than5000 K To Org	0	MoreThan5000KToOrgInd
More Than5000 K To Individuals	0	MoreThan5000KToIndividualsInd
Professional Fundraising	0	ProfessionalFundraisingInd
Fundraising Activities	0	FundraisingActivitiesInd
Gaming Activities	0	GamingActivitiesInd
Operate Hospital	0	OperateHospitalInd
Grants To Organizations	0	GrantsToOrganizationsInd
Grants To Individuals	0	GrantsToIndividualsInd
Schedule J Required	Yes (1)	ScheduleJRequiredInd
Tax Exempt Bonds	0	TaxExemptBondsInd
Loan Outstanding	Yes (1)	LoanOutstandingInd
Grant To Related Person	0	GrantToRelatedPersonInd
Business Rln With Org Mem	0	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	0	BusinessRlnWithFamMemInd
Business Rln With35 Ctrl Ent	0	BusinessRlnWith35CtrlEntInd
Deductible Non Cash Contri	0	DeductibleNonCashContriInd
Deductible Art Contribution	0	DeductibleArtContributionInd
Terminate Operations	0	TerminateOperationsInd
Partial Liquidation	0	PartialLiquidationInd
Disregarded Entity	0	DisregardedEntityInd
Related Entity	0	RelatedEntityInd
Related Organization Ctrl Ent	0	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	0	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (1)	ScheduleORequiredInd
IRP Document	0	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	0	BackupWthldComplianceInd
Employee	58	EmployeeCnt
Employment Tax Returns Filed	Yes (1)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	0	UnrelatedBusIncmOverLimitInd
Foreign Financial Account	0	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	0	ProhibitedTaxShelterTransInd
Taxable Party Notification	0	TaxablePartyNotificationInd
Nondeductible Contributions	0	NondeductibleContributionsInd
Indoor Tanning Services	0	IndoorTanningServicesInd
Subj To Tax Rmnrtn Ex Prcht Pymt	0	SubjToTaxRmnrtnExPrchtPymtInd
Subject To Excs Tax Net Invst Inc	0	SubjectToExcsTaxNetInvstIncInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	9	GoverningBodyVotingMembersCnt
Independent Voting Member	9	IndependentVotingMemberCnt
Family Or Business Rln	0	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	0	DelegationOfMgmtDutiesInd
Change To Org Documents	0	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	0	MaterialDiversionOrMisuseInd
Members Or Stockholders	Yes (1)	MembersOrStockholdersInd
Election Of Board Members	Yes (1)	ElectionOfBoardMembersInd
Decisions Subject To Approva	Yes (1)	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (1)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (1)	MinutesOfCommitteesInd
Officer Mailing Address	0	OfficerMailingAddressInd
Local Chapters	Yes (1)	LocalChaptersInd
Policies Reference Chapters	Yes (1)	PoliciesReferenceChaptersInd
Form990 Provided To Gvrn Body	0	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (1)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	0	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (1)	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (1)	WhistleblowerPolicyInd
Document Retention Policy	Yes (1)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (1)	CompensationProcessCEOInd
Compensation Process Other	Yes (1)	CompensationProcessOtherInd
Investment In Joint Venture	0	InvestmentInJointVentureInd
States Where Copy Of Return Is Fld	PR	StatesWhereCopyOfReturnIsFldCd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	COOPERATIVA DE AHORRO Y CREDITO MAUNABO	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	7878612240	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 127	AddressLine1Txt
City	MAUNABO	CityNm
State Abbreviation	PR	StateAbbreviationCd
ZIP	00707	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (12 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Average Hours Per Week Rltd OrgAverageHoursPerWeekRltdOrgRt	Highest Compensated EmployeeHighestCompensatedEmployeeInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	OfficerOfficerInd
CARLOS A CRESPO RAMOS
EXECUTIVE PRESIDENT	40	0	Yes (X)	$201,365	$0	$0
ANGEL RIVERA RUIZ
FINANCE VICEPRESIDENT	40	0		$82,680	$0	$0	Yes (X)
NOEMI SANCHEZ RODRIGUEZ
COMPLIANCE MANAGER	40	0		$61,381	$0	$0	Yes (X)
REBECCA GUTIERREZ PERALTA
COLLECTION MANAGER	40	0		$55,598	$0	$0	Yes (X)
HECTOR MELENDEZ RODRIGUEZ
BRANCH MANAGER	40	0		$54,288	$0	$0	Yes (X)
LILLIAN DEFENDINI ORTIZ
BRANCH MANAGER	40	0		$46,717	$0	$0	Yes (X)
MERILYN RIVERA LEBRON
BRANCH MANAGER	40	0		$44,346	$0	$0	Yes (X)
KEILA SOSTRE LAMB
BRANCH MANAGER	40	0		$44,034	$0	$0	Yes (X)
VIVIAN VELEZ FLORES
ACCOUNTING MANAGER	40	0		$42,973	$0	$0	Yes (X)
NERY VALLE VEGA
CALL CENTER MANAGER	40	0		$42,966	$0	$0	Yes (X)
NELLY CRUZ TORRES
BRANCH MANAGER	40	0		$39,582	$0	$0	Yes (X)
EDDIE C LEBRON RIVERA
MARKETING PROMOTION AND EDUCATION OFFICER	40	0		$36,525	$0	$0	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$752,455	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$0	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	1	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	0	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (1)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (4 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
GLADIUM TECHNOLOGY PARTNERS
407 ALHAMBRA CIR	CORAL GABLES	FL	33134	TECHNOLOGY SERVICES	$131,758
EVERTEC GROUP LLC
PO BOX 364526	SAN JUAN	PR	00936	BANK STATMENT PRINTING AND MAILING	$104,784
DIEBOLD INC
PO BOX 643543	PITTSBURGH	PA	19101	REPAIRS AND MAINTENANCE OF ATMS	$126,518
DOCUMENT SOLUTIONS PARTNERS
MM-15 VIA AZURE MANSION DEL MAR	TOA BAJA	PR	00949	PROGRAMS MAINTENANCE	$179,157

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	4	CntrctRcvdGreaterThan100KCnt
Total Contributions	$0	TotalContributionsAmt
Total Program Service Revenue	$0	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$12,546,324	TotalRevenueColumnAmt
Related Or Exempt Func Income	$12,546,324	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$0	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Incm From Invest Bond Proceeds IncmFromInvestBondProceedsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt
Related Or Exempt Func Income	$0	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$0	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Royalties Revenue RoyaltiesRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt
Related Or Exempt Func Income	$0	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$0	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Rental Income Or Loss RentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Real	$0	RealAmt
Personal	$0	PersonalAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Securities	$0	SecuritiesAmt
Other	$0	OtherAmt

Miscellaneous Revenue MiscellaneousRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$2,152,615	TotalRevenueColumnAmt
Related Or Exempt Func Income	$2,152,615	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$0	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Field	Value	IRS element (for citing)
Other Revenue Total	$2,152,615	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$14,698,939	TotalRevenueColumnAmt
Related Or Exempt Func Income	$14,698,939	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$0	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$752,455	TotalAmt
Management And General	$752,455	ManagementAndGeneralAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$1,630,466	TotalAmt
Management And General	$1,630,466	ManagementAndGeneralAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$87,462	TotalAmt
Management And General	$87,462	ManagementAndGeneralAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$226,640	TotalAmt
Management And General	$226,640	ManagementAndGeneralAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$230,548	TotalAmt
Management And General	$230,548	ManagementAndGeneralAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$347,190	TotalAmt
Management And General	$347,190	ManagementAndGeneralAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$268,134	TotalAmt
Management And General	$268,134	ManagementAndGeneralAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$230,548	TotalAmt
Management And General	$230,548	ManagementAndGeneralAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$78,668	TotalAmt
Management And General	$78,668	ManagementAndGeneralAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$335,081	TotalAmt
Management And General	$335,081	ManagementAndGeneralAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$657,426	TotalAmt
Management And General	$657,426	ManagementAndGeneralAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$1,052,638	TotalAmt
Management And General	$1,052,638	ManagementAndGeneralAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt	Program ServicesProgramServicesAmt	Management And GeneralManagementAndGeneralAmt	FundraisingFundraisingAmt
REPAIRS AND MAINTENANCE	$1,787,119	$0	$1,787,119	$0
CREDIT CARD AND ELECTRONIC TRANSACTION	$605,902	$0	$605,902	$0
UTILITIES	$466,387	$0	$466,387	$0
PROVISION FOR CREDIT LOSSES	$1,199,943	$0	$1,199,943	$0

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$851,594	TotalAmt
Management And General	$851,594	ManagementAndGeneralAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$10,808,201	TotalAmt
Program Services	$0	ProgramServicesAmt
Management And General	$10,808,201	ManagementAndGeneralAmt
Fundraising	$0	FundraisingAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$47,544,991	BOYAmt
EOY	$30,982,008	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$5,527,309	BOYAmt
EOY	$11,486,403	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

Field	Value	IRS element (for citing)
BOY	$709,616	BOYAmt
EOY	$834,803	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$125,954,676	BOYAmt
EOY	$129,457,222	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$1,045,293	BOYAmt
EOY	$1,091,060	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$17,188,033	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$10,619,663	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$6,631,541	BOYAmt
EOY	$6,568,370	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$44,439,569	BOYAmt
EOY	$56,987,849	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$4,594,416	BOYAmt
EOY	$4,771,596	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$2,002,840	BOYAmt
EOY	$4,389,599	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$238,450,251	BOYAmt
EOY	$246,568,910	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$1,787,096	BOYAmt
EOY	$1,554,022	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$151,087,752	BOYAmt
EOY	$155,493,771	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$152,874,848	BOYAmt
EOY	$157,047,793	EOYAmt

Field	Value	IRS element (for citing)
Org Does Not Follow FASB117	Yes (X)	OrgDoesNotFollowFASB117Ind

Cap Stk Tr Prin Current Funds CapStkTrPrinCurrentFundsGrp

Field	Value	IRS element (for citing)
BOY	$63,554,775	BOYAmt
EOY	$63,801,159	EOYAmt

Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$22,020,628	BOYAmt
EOY	$25,719,958	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$85,575,403	BOYAmt
EOY	$89,521,117	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$238,450,251	BOYAmt
EOY	$246,568,910	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$3,890,738	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$715,241	NetUnrlzdGainsLossesInvstAmt
Donated Services And Use Fclts	$0	DonatedServicesAndUseFcltsAmt
Investment Expense	$0	InvestmentExpenseAmt
Prior Period Adjustments	$0	PriorPeriodAdjustmentsAmt
Other Changes In Net Assets	-$660,265	OtherChangesInNetAssetsAmt
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	0	AccountantCompileOrReviewInd
FS Audited	Yes (1)	FSAuditedInd

FS Audited Basis FSAuditedBasisGrp

Field	Value	IRS element (for citing)
Separate Basis Fincl Stmt	Yes (X)	SeparateBasisFinclStmtInd

Field	Value	IRS element (for citing)
Audit Committee	Yes (1)	AuditCommitteeInd
Federal Grant Audit Required	0	FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

Land LandGrp

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	$634,955	InvestmentCostOrOtherBasisAmt
Other Cost Or Other Basis	$0	OtherCostOrOtherBasisAmt
Book Value	$634,955	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	$4,079,891	InvestmentCostOrOtherBasisAmt
Other Cost Or Other Basis	$0	OtherCostOrOtherBasisAmt
Depreciation	$2,264,808	DepreciationAmt
Book Value	$1,815,083	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	$5,905,421	InvestmentCostOrOtherBasisAmt
Other Cost Or Other Basis	$0	OtherCostOrOtherBasisAmt
Depreciation	$2,989,523	DepreciationAmt
Book Value	$2,915,898	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	$6,567,766	InvestmentCostOrOtherBasisAmt
Other Cost Or Other Basis	$0	OtherCostOrOtherBasisAmt
Depreciation	$5,365,332	DepreciationAmt
Book Value	$1,202,434	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	$0	InvestmentCostOrOtherBasisAmt
Other Cost Or Other Basis	$0	OtherCostOrOtherBasisAmt
Depreciation	$0	DepreciationAmt
Book Value	$0	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$6,568,370	TotalBookValueLandBuildingsAmt
Federal Income Tax Liability	$0	FederalIncomeTaxLiabilityAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	DEPOSITS AND SAVINGS CERTIFICATES	Desc
Amt	$155,493,771	Amt

Field	Value	IRS element (for citing)
Total Liability	$155,493,771	TotalLiabilityAmt
Total Rev Etc Audited Fincl Stmt	$14,698,939	TotalRevEtcAuditedFinclStmtAmt
Net Unrealized Gains Invst	$0	NetUnrealizedGainsInvstAmt
Donated Services And Use Fclts	$0	DonatedServicesAndUseFcltsAmt
Recoveries Prior Year Grants	$0	RecoveriesPriorYearGrantsAmt
Other Revenue	$0	OtherRevenueAmt
Revenue Not Reported	$0	RevenueNotReportedAmt
Revenue Subtotal	$14,698,939	RevenueSubtotalAmt
Investment Expenses Not Incld	$0	InvestmentExpensesNotIncldAmt
Other Revenues Not Included	$0	OtherRevenuesNotIncludedAmt
Revenue Not Reported Fincl Stmt	$0	RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990	$14,698,939	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$10,808,201	TotExpnsEtcAuditedFinclStmtAmt
Donated Services Use Fclts	$0	DonatedServicesUseFcltsAmt
Prior Year Adjustments	$0	PriorYearAdjustmentsAmt
Losses Reported	$0	LossesReportedAmt
Other Expenses Included	$0	OtherExpensesIncludedAmt
Expenses Not Reported	$0	ExpensesNotReportedAmt
Expenses Subtotal	$10,808,201	ExpensesSubtotalAmt
Investment Expenses Not Incld2	$0	InvestmentExpensesNotIncld2Amt
Other Expenses Not Included	$0	OtherExpensesNotIncludedAmt
Expenses Not Rpt Fincl Stmt	$0	ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990	$10,808,201	TotalExpensesPerForm990Amt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Severance Payment	0	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	0	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	0	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp

Field	Value	IRS element (for citing)
Person	CARLOS A CRESPO RAMOS	PersonNm
Title	EXECUTIVE PRESIDENT	TitleTxt
Base Compensation Filing Org	$201,365	BaseCompensationFilingOrgAmt
Compensation Based On Rltd Orgs	$0	CompensationBasedOnRltdOrgsAmt
Bonus Filing Organization	$0	BonusFilingOrganizationAmount
Bonus Related Organizations	$0	BonusRelatedOrganizationsAmt
Other Compensation Filing Org	$0	OtherCompensationFilingOrgAmt
Other Compensation Rltd Orgs	$0	OtherCompensationRltdOrgsAmt
Deferred Compensation Flng Org	$0	DeferredCompensationFlngOrgAmt
Deferred Comp Rltd Orgs	$0	DeferredCompRltdOrgsAmt
Nontaxable Benefits Filing Org	$0	NontaxableBenefitsFilingOrgAmt
Nontaxable Benefits Rltd Orgs	$0	NontaxableBenefitsRltdOrgsAmt
Total Compensation Filing Org	$201,365	TotalCompensationFilingOrgAmt
Total Compensation Rltd Orgs	$0	TotalCompensationRltdOrgsAmt
Comp Report Prior990 Filing Org	$0	CompReportPrior990FilingOrgAmt
Comp Report Prior990 Rltd Orgs	$0	CompReportPrior990RltdOrgsAmt

Schedule L IRS990ScheduleL

Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp (73 entries)

Relationship With OrgRelationshipWithOrgTxt	Loan From OrganizationLoanFromOrganizationInd	Original PrincipalOriginalPrincipalAmt	Balance DueBalanceDueAmt	DefaultDefaultInd	Board Or Committee ApprovalBoardOrCommitteeApprovalInd	Written AgreementWrittenAgreementInd
NERY VALLE VEGA
EMPLOYEE	Yes (X)	$1,345	$1,276	0	Yes (1)	Yes (1)
WISESTHER BERMUDEZ RIVERA
EMPLOYEE	Yes (X)	$30,798	$4,588	0	Yes (1)	Yes (1)
KEILA SOSTRE LAMB
EMPLOYEE	Yes (X)	$2,080	$1,234	0	Yes (1)	Yes (1)
MARGARITA COLON RIVAS
EMPLOYEE	Yes (X)	$5,000	$3,788	0	Yes (1)	Yes (1)
LISA ORTIZ GARCIA
EMPLOYEE	Yes (X)	$25,000	$17,394	0	Yes (1)	Yes (1)
JESSICA M BARREIRO SEMPRIT
EMPLOYEE	Yes (X)	$1,000	$960	0	Yes (1)	Yes (1)
RACELYNETTE AMARO LEBRON
EMPLOYEE	Yes (X)	$5,000	$1,411	0	Yes (1)	Yes (1)
MARISOL RIVERA SANTIAGO
EMPLOYEE	Yes (X)	$3,190	$2,832	0	Yes (1)	Yes (1)
VICTORIA GARCIA BURGOS
EMPLOYEE	Yes (X)	$5,000	$1,062	0	Yes (1)	Yes (1)
NAIDALIS LOPEZ DE JESUS
EMPLOYEE	Yes (X)	$2,800	$2,748	0	Yes (1)	Yes (1)
KEVIN J GONZALEZ ACOSTA
EMPLOYEE	Yes (X)	$5,000	$612	0	Yes (1)	Yes (1)
MARGARITA COLON RIVAS
EMPLOYEE	Yes (X)	$39,000	$20,694	0	Yes (1)	Yes (1)
MINERIS PAGAN MARTINEZ
EMPLOYEE	Yes (X)	$6,500	$6,091	0	Yes (1)	Yes (1)
ROSALI RODRIGUEZ CAMACHO
EMPLOYEE	Yes (X)	$5,000	$3,397	0	Yes (1)	Yes (1)
JESSICA BARREIRO SEMPRIT
EMPLOYEE	Yes (X)	$72,250	$62,699	0	Yes (1)	Yes (1)
CARLOS A CRESPO RAMOS
CEO	Yes (X)	$9,800	$8,627	0	Yes (1)	Yes (1)
MADELINE GARCIA RODRIGUEZ
EMPLOYEE	Yes (X)	$6,000	$3,979	0	Yes (1)	Yes (1)
VICTORIA GARCIAS BURGOS
EMPLOYEE	Yes (X)	$26,995	$7,674	0	Yes (1)	Yes (1)
LISA M GARCIA BURGOS
EMPLOYEE	Yes (X)	$25,000	$10,048	0	Yes (1)	Yes (1)
MYRIAM SERRANO SOTO
EMPLOYEE	Yes (X)	$5,500	$3,170	0	Yes (1)	Yes (1)
WISESTHER BERMUDEZ RIVERA
EMPLOYEE	Yes (X)	$76,500	$59,392	0	Yes (1)	Yes (1)
CARMEN M RIVERA RIVERA
EMPLOYEE	Yes (X)	$25,000	$22,602	0	Yes (1)	Yes (1)
LILLIAN Y DEFENDINI ORTIZ
EMPLOYEE	Yes (X)	$25,000	$12,210	0	Yes (1)	Yes (1)
NELLY CRUZ TORRES
EMPLOYEE	Yes (X)	$1,600	$1,400	0	Yes (1)	Yes (1)
PEDRO J SOLIS NAVARRO
EMPLOYEE	Yes (X)	$20,000	$13,008	0	Yes (1)	Yes (1)
EUGENIO BRITO ORTIZ
EMPLOYEE	Yes (X)	$13,300	$11,815	0	Yes (1)	Yes (1)
LISMARIE ORTIZ VAZQUEZ
EMPLOYEE	Yes (X)	$30,495	$23,716	0	Yes (1)	Yes (1)
EDDIE C LEBRON RIVERA
EMPLOYEE	Yes (X)	$47,600	$12,526	0	Yes (1)	Yes (1)
EDDIE C LEBRON RIVERA
EMPLOYEE	Yes (X)	$30,540	$28,459	0	Yes (1)	Yes (1)
MERYLYN RIVERA LEBRON
EMPLOYEE	Yes (X)	$1,200	$1,006	0	Yes (1)	Yes (1)
FRANK G APONTE COLON
EMPLOYEE	Yes (X)	$25,000	$20,806	0	Yes (1)	Yes (1)
MERYLYN RIVERA LEBRON
EMPLOYEE	Yes (X)	$1,200	$1,006	0	Yes (1)	Yes (1)
MERYLYN RIVERA LEBRON
EMPLOYEE	Yes (X)	$25,000	$12,685	0	Yes (1)	Yes (1)
TATIANA MIRANDA FLORES
EMPLOYEE	Yes (X)	$2,300	$2,181	0	Yes (1)	Yes (1)
NILDA R MOCLOVA ORTIZ
EMPLOYEE	Yes (X)	$23,995	$13,014	0	Yes (1)	Yes (1)
ANGEL M RIVERA RUIZ
CFO	Yes (X)	$18,000	$1,791	0	Yes (1)	Yes (1)
MERYLYN RIVERA LEBRON
EMPLOYEE	Yes (X)	$25,000	$12,685	0	Yes (1)	Yes (1)
JUNIRIS K DIAZ SOTO
EMPLOYEE	Yes (X)	$908	$908	0	Yes (1)	Yes (1)
ROSALI RODRIGUEZ CAMACHO
EMPLOYEE	Yes (X)	$500	$336	0	Yes (1)	Yes (1)
NOEMI SANCHEZ RODRIGUEZ
EMPLOYEE	Yes (X)	$23,000	$17,519	0	Yes (1)	Yes (1)
JOSE A LEBRON SOTO
EMPLOYEE	Yes (X)	$13,500	$10,358	0	Yes (1)	Yes (1)
ANGEL M RIVERA RUIZ
CFO	Yes (X)	$18,000	$1,791	0	Yes (1)	Yes (1)
VIRNA BERRIOS BURGOS
EMPLOYEE	Yes (X)	$37,795	$35,643	0	Yes (1)	Yes (1)
NERY A VALLE VEGA
EMPLOYEE	Yes (X)	$20,000	$14,310	0	Yes (1)	Yes (1)
VIVIAN N ROSADO SERRANO
EMPLOYEE	Yes (X)	$25,000	$18,039	0	Yes (1)	Yes (1)
DENISE YERA RAMOS
EMPLOYEE	Yes (X)	$25,000	$23,288	0	Yes (1)	Yes (1)
KENIA MARQUEZ COLLAZO
EMPLOYEE	Yes (X)	$2,700	$1,716	0	Yes (1)	Yes (1)
LILLIAN Y DEFENDINI ORTIZ
EMPLOYEE	Yes (X)	$25,000	$12,210	0	Yes (1)	Yes (1)
JUHELIS M BARREIRO LEON
EMPLOYEE	Yes (X)	$51,995	$51,995	0	Yes (1)	Yes (1)
NOEMI SANCHEZ RODRIGUEZ
EMPLOYEE	Yes (X)	$23,000	$17,519	0	Yes (1)	Yes (1)
FRANCES M LEBRON DELGADO
EMPLOYEE	Yes (X)	$25,000	$15,861	0	Yes (1)	Yes (1)
PEDRO J SOLIS NAVARRO
EMPLOYEE	Yes (X)	$5,000	$3,572	0	Yes (1)	Yes (1)
NERY A VALLE VEGA
EMPLOYEE	Yes (X)	$20,000	$14,310	0	Yes (1)	Yes (1)
YARIELIS LATALLADI LABOY
EMPLOYEE	Yes (X)	$5,000	$2,212	0	Yes (1)	Yes (1)
AMANDA GUTIERREZ GONZALEZ
EMPLOYEE	Yes (X)	$39,800	$36,855	0	Yes (1)	Yes (1)
AMANDA GUTIERREZ GONZALEZ
EMPLOYEE	Yes (X)	$2,700	$2,348	0	Yes (1)	Yes (1)
JOHNNY VELAZQUEZ LABOY
EMPLOYEE	Yes (X)	$8,000	$7,741	0	Yes (1)	Yes (1)
JESSICA M BARREIRO SEMPRIT
EMPLOYEE	Yes (X)	$4,000	$3,585	0	Yes (1)	Yes (1)
ZAYMILL M CORREA FIGUEROA
EMPLOYEE	Yes (X)	$5,000	$4,845	0	Yes (1)	Yes (1)
NAOMI COLON SOTO
EMPLOYEE	Yes (X)	$1,500	$197	0	Yes (1)	Yes (1)
KEILA Y SOSTRE LAMB
EMPLOYEE	Yes (X)	$2,080	$1,234	0	Yes (1)	Yes (1)
CARLOS A CRESPO RAMOS
CEO	Yes (X)	$9,800	$8,627	0	Yes (1)	Yes (1)
WISESTHER BERMUDEZ RIVERA
EMPLOYEE	Yes (X)	$16,500	$10,619	0	Yes (1)	Yes (1)
EDDIE C LEBRON RIVERA
EMPLOYEE	Yes (X)	$12,200	$11,426	0	Yes (1)	Yes (1)
AMANDA GUTIERREZ GONZALEZ
EMPLOYEE	Yes (X)	$10,000	$10,000	0	Yes (1)	Yes (1)
XIOMARA ROQUE BURGOS
EMPLOYEE	Yes (X)	$4,150	$2,167	0	Yes (1)	Yes (1)
GLENDALIZ PEREZ SANTIAGO
EMPLOYEE	Yes (X)	$3,200	$2,969	0	Yes (1)	Yes (1)
GLENDALIZ PEREZ SANTIAGO
EMPLOYEE	Yes (X)	$32,995	$19,941	0	Yes (1)	Yes (1)
NELLY CRUZ TORRES
EMPLOYEE	Yes (X)	$1,600	$1,400	0	Yes (1)	Yes (1)
ZAYMILL M CORREA FIGUEROA
EMPLOYEE	Yes (X)	$25,000	$22,053	0	Yes (1)	Yes (1)
NERY A VALLE VEGA
EMPLOYEE	Yes (X)	$1,345	$1,276	0	Yes (1)	Yes (1)
VICTORIA GARCIA BURGOS
EMPLOYEE	Yes (X)	$25,000	$24,348	0	Yes (1)	Yes (1)
JENNIFFER CORUJO RIVERA
EMPLOYEE	Yes (X)	$7,100	$6,999	0	Yes (1)	Yes (1)

Field	Value	IRS element (for citing)
Total Balance Due	$834,803	TotalBalanceDueAmt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (8 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
Form 990, Part VI, Section A, Line 6	THE ORGANIZATION HAS MEMBERS CALLED "SOCIOS" WHO JOIN VOLUNTARILY. EACH MEMBER MUST CONTRIBUTE AT LEAST $10 IN SHARES (PAR VALUE) UPON ADMISSION, AND MUST CONTRIBUTE AT LEAST $120 YEARLY TO ENJOY MEMBER BENEFITS.
Form 990, Part VI, Section A, Line 7a	EVERY YEAR, THE ORGANIZATION CONDUCTS ITS ANNUAL MEMBER MEETING, WHERE ACTIVE MEMBERS NOMINATE AND ELECT THE MEMBERS OF THE BOARD OF DIRECTORS FOR THE NEXT THREE YEARS.
Form 990, Part VI, Section A, Line 7b	ONLY THOSE AFFECTING THE GENERAL RULES OF THE ORGANIZATION.
Form 990, Part VI, Section B, Line 11b	EVERY TRIMESTER, THE ORGANIZATION SENDS A REPORT ON COMPLIANCE WITH LAWS AND REGULATIONS TO ITS REGULATOR, IN THIS CASE, COSSEC.
Form 990, Part VI, Section B, Line 12c	EVERY TRIMESTER, THE ORGANIZATION SENDS A REPORT ON COMPLIANCE WITH LAWS AND REGULATIONS TO ITS REGULATOR, IN THIS CASE, COSSEC.
Form 990, Part VI, Section B, Line 15	THE BOARD OF DIRECTORS ASSESSES THE CEO'S PERFORMANCE ON AN ANNUAL BASIS. ALSO THE CEO HAS A FORMAL EMPLOYMENT CONTRACT OR AGREEMENT.
Form 990, Part VI, Section C, Line 19	THE AUDITED FINANCIAL STATEMENTS ARE DISCUSSED AND MADE AVAILABLE TO EVERY MEMBER ATTENDING THE ANNUAL MEMBER MEETING.
Form 990, Part XI, Line 9	ADDITIONAL INVESTMENT FROM MEMBERS IN SHARES $10,820,882; WITHDRAWALS OF SHARES FROM MEMBERS ($11,574,498); UNDISTRIBUTED EARNINGS CAPITALIZED INTO SHARES $1,000,000; UNCLAIMED ACCOUNTS TRANSFERRED TO SOCIAL CAPITAL RESERVE, NET $93,351; CONTRIBUTION TO CONTINGENCY RESERVE $389,074; CONTRIBUTION TO INDIVISIBLE CAPITAL RESERVE $194,537, UNDISTRIBUTED EARNINGS TRANSFERRED TO CONTINGENCY RESERVE $3,116,239; OTHER CHANGES IN UNDISTRIBUTED EARNINGS ($4,699,850).