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Nonprofit · EIN 66-0219584

COOPERATIVA DE AHORRO Y CREDITO CAMUY

Tax-exempt · CAMUY, PR 00627

Financials

$20.6M$13.7M2023$24.9M$16M2024$24.5M$17.6M2025
Revenue Expenses · by fiscal year end
Financials of COOPERATIVA DE AHORRO Y CREDITO CAMUY by year, from its e-filed returns
Year endedFormRevenueExpensesNet incomeTotal assetsLiabilitiesNet assets
December 31, 2025990$24,457,120$17,589,858$6,867,262$359,446,053$256,200,031$103,246,022
December 31, 2024990$24,863,696$15,993,808$8,869,888$333,141,476$233,246,269$99,895,207
December 31, 2023990$20,587,482$13,653,220$6,934,262$320,383,128$223,062,606$97,320,522
Financial details: 990 for the year ended December 31, 2025

Revenue

Contributions, gifts and grants
$0
Program service revenue
$0
Investment income
$21,152,678
Other revenue
$3,304,442

Expenses

Grants and similar amounts paid
$0
Compensation of officers, directors and key employees
$502,541
Other salaries and wages
$3,099,012
Salaries, compensation and benefits (total)
$4,656,586
Professional fundraising fees
$0
Occupancy
$134,309
Depreciation
$809,928
Management and general (functional)
$17,589,858

Balance sheet and other

Total assets, start of year
$333,141,476
Total assets, end of year
$359,446,053
Total liabilities, end of year
$256,200,031
Net assets, end of year
$103,246,022
Land, buildings and equipment
$7,997,222
Gross receipts
$24,457,120
Employees
90
Volunteers
12
Year formed
1954
State of legal domicile
PR

From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.

Officers, directors and key employees

As listed on the 990 for the year ended December 31, 2025, highest compensation first.

NameTitleHours / weekCompensationOther / benefits
MICHELE FRANQUI BAQUEROEXECUTIVE PRESIDENT
Key employee
0$264,378$18,506
EMMANUEL ROMAN FIGUEROAVICEPRESIDENT OF ADMINISTRATION
Key employee
0$132,078$6,604
ALVIN ATILES TOSADOVICEPRESIDENT OF FINANCE
Key employee
0$106,085$7,426
MARIA L RAMOS NIEVESBOARD PRESIDENT
Trustee or director
0$0$0
YAMILKA SAAVEDRA TOSADOSECRETARY
Trustee or director
0$0$0
IVETTE QUIJANO ROSADIRECTOR
Trustee or director
0$0$0
MAYRA ORTIZ RUIZSUB-SECRETARY
Trustee or director
0$0$0
CARLOS A MORALES MORELLDIRECTOR
Trustee or director
0$0$0
ANA J CORDERO ROSADODIRECTOR
Trustee or director
0$0$0
JUAN SONERA GONZALEZDIRECTOR
Trustee or director
0$0$0
JOSE F RUIZ RAMOSVP OF BOARD OF DIRECTOR
Trustee or director
0$0$0
SONIA CHICO VELEZDIRECTOR
Trustee or director
0$0$0
990 for the year ended December 31, 2024: 11 people
NameTitleHours / weekCompensation
MICHELE FRANQUI BAQUEROEXECUTIVE PRESIDENT
Key employee
0$238,849
EMMANUEL ROMAN FIGUEROAVICEPRESIDENT OF ADMINISTRATION
Key employee
0$116,436
ALVIN ATILES TOSADOVICEPRESIDENT OF FINANCE
Key employee
0$100,341
NANCY LOPZ QUINONESVICEPRESIDENT OF OPERATIONS
Key employee
0$82,042
MARIA L RAMOS NIEVESBOARD PRESIDENT
Trustee or director
0$0
IVETTE QUIJANO ROSADIRECTOR
Trustee or director
0$0
MAYRA ORTIZ RUIZSUB-SECRETARY
Trustee or director
0$0
CARLOS A MORALES MORELLDIRECTOR
Trustee or director
0$0
ANA J CORDERO ROSADODIRECTOR
Trustee or director
0$0
JUAN SONERA GONZALEZDIRECTOR
Trustee or director
0$0
JOSE F RUIZ RAMOSVP OF BOARD OF DIRECTOR
Trustee or director
0$0
990 for the year ended December 31, 2023: 13 people
NameTitleHours / weekCompensation
MICHELE FRANQUI BAQUEROEXECUTIVE PRESIDENT
Key employee
0$193,382
EMMANUEL ROMAN FIGUEROAVICEPRESIDENT OF ADMINISTRATION
Key employee
0$86,063
ALVIN ATILES TOSADOVICEPRESIDENT OF FINANCE
Key employee
0$83,477
NANCY LOPZ QUINONESVICEPRESIDENT OF OPERATIONS
Key employee
0$73,107
JOSE F RUIZ RAMOSBOARD PRESIDENT
Trustee or director
0$0
YAMILKA RAMOS NIEVESSECRETARY
Trustee or director
0$0
MAYRA ORTIZ RUIZSUB-SECRETARY
Trustee or director
0$0
CARLOS A MORALES MORELLDIRECTOR
Trustee or director
0$0
MANUEL HERMINA CAJIGASDIRECTOR
Trustee or director
0$0
JUAN SONERA GONZALEZDIRECTOR
Trustee or director
0$0
MARIA L RAMOS NIEVESVP OF BOARD OFDIRECTOR
Trustee or director
0$0
ANA J CORDERO ROSADODIRECTOR
Trustee or director
0$0
SONIA MENDEZ GUILLAMADIRECTOR
Trustee or director
0$0

Address and contacts

Address (IRS master file)
PO BOX 540, CAMUY, PR 00627-0540
In care of
% MICHELLE FRANQUI
Principal officer (990 for 2025)
MICHELLE FRANQUI, 300 Baltazar Jimenez Avenue, CAMUY, PR 006270540
Signed the 990
MICHELE FRANQUI, EXCECUTIVE PRESIDENT
Phone
(787) 898-4930
Return prepared by
GONZALEZ TORRES & CO CPA PSC

Mission

TO PROVIDE FINANCIAL SERVICES AS LOANS SAVINGS AND ACCOUNTS MAINLY TO LOW INCOME SECTOR OF PEOPLE IN PUERTO RICO. ALSO CREDIT UNION MAKE A SOCIAL INVESMENT IN THE COMMUNITY.

990 for the year ended December 31, 2025

Program accomplishments

  • INTEREST INCOME AND OTHER INCOME OF 24,457,120 AND TOTAL EXPENSES OF 17,589,858.0

What it must file and when

IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.

Tax yearYear endedDueIRS public records
2025December 31, 2025May 15, 2026990 on file
2024December 31, 2024May 15, 2025990 on file
2023December 31, 2023May 15, 2024990 on file

IRS record

EIN
66-0219584
Tax-exempt status
501(c)(14): State-chartered credit union
Donations deductible
No
Exempt since
1986
Accounting year ends
December
Files
Form 990 or 990-EZ
Assets (IRS master file)
$359,446,053
Income (IRS master file)
$24,457,120

Filing history

FormYear endedRevenueExpensesAssetsReturn
990December 2025$24,457,120$17,589,858$359,446,053XML
990December 2024$24,863,696$15,993,808$333,141,476XML
990December 2023$20,587,482$13,653,220$320,383,128XML
990December 2022$15,010,171$10,479,884$290,823,177IRS
990December 2021–––IRS
990December 2020–––IRS

990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 66-0219584).

Questions about COOPERATIVA DE AHORRO Y CREDITO CAMUY

What is the EIN of COOPERATIVA DE AHORRO Y CREDITO CAMUY?
The employer identification number (EIN) of COOPERATIVA DE AHORRO Y CREDITO CAMUY is 66-0219584.
Is COOPERATIVA DE AHORRO Y CREDITO CAMUY tax-exempt?
Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1986.
Are donations to COOPERATIVA DE AHORRO Y CREDITO CAMUY tax-deductible?
No. The IRS master file says contributions to it are not deductible.
Which annual return does COOPERATIVA DE AHORRO Y CREDITO CAMUY file?
Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
When is the next return of COOPERATIVA DE AHORRO Y CREDITO CAMUY due?
The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
When did COOPERATIVA DE AHORRO Y CREDITO CAMUY last file with the IRS?
The latest return in the IRS public files is the 990 for the year ended December 2025.
Who is the principal officer of COOPERATIVA DE AHORRO Y CREDITO CAMUY?
The 990 for the year ended December 31, 2025 names MICHELLE FRANQUI.
Who are the officers and directors of COOPERATIVA DE AHORRO Y CREDITO CAMUY?
The 990 for the year ended December 31, 2025 lists 12 people; 3 received compensation from the organization, the highest $264,378 (MICHELE FRANQUI BAQUERO, EXECUTIVE PRESIDENT).
How much revenue does COOPERATIVA DE AHORRO Y CREDITO CAMUY have?
On its 990 for the year ended December 31, 2025 it reported revenue of $24,457,120, expenses of $17,589,858 and total assets of $359,446,053 at year end.

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