Nonprofit · EIN 66-0271958
COOPERATIVA DE AHORRO Y CREDITO MAUNABO
Tax-exempt · MAUNABO, PR 00707
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $14,698,939 | $10,808,201 | $3,890,738 | $246,568,910 | $157,047,793 | $89,521,117 |
| December 31, 2024 | 990 | $15,172,740 | $9,611,849 | $5,560,891 | $238,450,251 | $152,874,848 | $85,575,403 |
| December 31, 2023 | 990 | $16,255,291 | $9,871,613 | $6,383,678 | $235,618,166 | $154,294,963 | $81,323,203 |
| December 31, 2021 | 990 | $11,072,933 | $9,587,057 | $1,485,876 | $243,358,008 | $160,251,611 | $83,106,397 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $0
- Investment income
- $12,546,324
- Other revenue
- $2,152,615
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $752,455
- Other salaries and wages
- $1,630,466
- Salaries, compensation and benefits (total)
- $2,927,571
- Professional fundraising fees
- $0
- Depreciation
- $657,426
- Management and general (functional)
- $10,808,201
Balance sheet and other
- Total assets, start of year
- $238,450,251
- Total assets, end of year
- $246,568,910
- Total liabilities, end of year
- $157,047,793
- Net assets, end of year
- $89,521,117
- Land, buildings and equipment
- $6,568,370
- Publicly traded securities
- $56,987,849
- Gross receipts
- $14,698,939
- Employees
- 58
- Volunteers
- 0
- Year formed
- 1965
- 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.
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| CARLOS A CRESPO RAMOS | EXECUTIVE PRESIDENT Highest-paid employee | 40 | $201,365 |
| ANGEL RIVERA RUIZ | FINANCE VICEPRESIDENT Officer | 40 | $82,680 |
| NOEMI SANCHEZ RODRIGUEZ | COMPLIANCE MANAGER Officer | 40 | $61,381 |
| REBECCA GUTIERREZ PERALTA | COLLECTION MANAGER Officer | 40 | $55,598 |
| HECTOR MELENDEZ RODRIGUEZ | BRANCH MANAGER Officer | 40 | $54,288 |
| LILLIAN DEFENDINI ORTIZ | BRANCH MANAGER Officer | 40 | $46,717 |
| MERILYN RIVERA LEBRON | BRANCH MANAGER Officer | 40 | $44,346 |
| KEILA SOSTRE LAMB | BRANCH MANAGER Officer | 40 | $44,034 |
| VIVIAN VELEZ FLORES | ACCOUNTING MANAGER Officer | 40 | $42,973 |
| NERY VALLE VEGA | CALL CENTER MANAGER Officer | 40 | $42,966 |
| NELLY CRUZ TORRES | BRANCH MANAGER Officer | 40 | $39,582 |
| EDDIE C LEBRON RIVERA | MARKETING PROMOTION AND EDUCATION OFFICER Officer | 40 | $36,525 |
990 for the year ended December 31, 2024: 12 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| CARLOS A CRESPO RAMOS | EXECUTIVE PRESIDENT Highest-paid employee | 40 | $189,967 |
| DORIS GOMEZ LUGO | CREDIT ANALYST Officer | 40 | $88,670 |
| ANGEL RIVERA RUIZ | FINANCE VICEPRESIDENT Officer | 40 | $78,000 |
| NOEMI SANCHEZ RODRIGUEZ | QUALITY MANAGER Officer | 40 | $58,178 |
| HECTOR MELENDEZ RODRIGUEZ | BRANCH MANAGER Officer | 40 | $51,709 |
| LILLIAN DEFENDINI ORTIZ | BRANCH MANAGER Officer | 40 | $44,283 |
| NERY VALLE VEGA | BRANCH MANAGER Officer | 40 | $42,966 |
| MERILYN RIVERA LEBRON | BRANCH MANAGER Officer | 40 | $42,037 |
| KEILA SOSTRE LAMB | BRANCH MANAGER Officer | 40 | $41,746 |
| NELLY CRUZ TORRES | BRANCH MANAGER Officer | 40 | $37,877 |
| REBECCA GUTIERREZ PERALTA | COLLECTION MANAGER Officer | 40 | $36,712 |
| EDDIE C LEBRON RIVERA | MARKETING PROMOTION AND EDUCATION OFFICER Officer | 40 | $34,611 |
990 for the year ended December 31, 2023: 20 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| Carlos Crespo Ramos | Executive President Highest-paid employee | 40 | $170,747 |
| Doris Gomez Lugo | Credit Analyst Key employee | 40 | $85,259 |
| Angel M Rivera Ruiz | VP of Finance Key employee | 40 | $75,004 |
| Noemi Sanchez Rodriguez | Quality Manager Key employee | 40 | $55,931 |
| Hector Melendez Rodriguez | Branch Manager Key employee | 40 | $49,733 |
| Lilliam Defendini | Branch Manager Key employee | 40 | $42,578 |
| Merilyn Rivera Lebron | Branch Manager Key employee | 40 | $40,414 |
| Keyla Y Sostre Lamb | Branch Manager Key employee | 40 | $40,165 |
| Rebecca Gutierrez Peralta | Collection Manager Key employee | 40 | $36,712 |
| Nelly Cruz Torres | Branch Manager Key employee | 40 | $36,421 |
| Eddie C Lebron Rivera | Marketin Promotion Education Officer Key employee | 40 | $33,280 |
| Willie Collazo Cuadra | Board President Trustee or director | 0 | $0 |
| Nylsa Figueroa Gisao | Board VicePresident Trustee or director | 0 | $0 |
| Rafael Rivera Rivas | Treasurer Trustee or director | 0 | $0 |
| Juan A Lafuente Ortiz | Subtreasurer Trustee or director | 0 | $0 |
| Noem Rodrguez Torres | Secretary Trustee or director | 0 | $0 |
| Eugenio Brito Ortiz | Subsecretary Trustee or director | 0 | $0 |
| Jorge L Delgado Rivera | Director Trustee or director | 0 | $0 |
| Margarita Coln Rivas | Director Trustee or director | 0 | $0 |
| Margarita Coln Rivas | Director Trustee or director | 0 | $0 |
990 for the year ended December 31, 2021: 21 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| CARLOS CRESPO | EXECUTIVE PRESIDENT Highest-paid employee | 40 | $165,776 | $9,947 |
| MELBA L SOTO MONTANEZ | VP OF FINANCE Key employee | 40 | $117,021 | $7,021 |
| ANGEL M RIVERA RUIZ | VP OF OPERATION Key employee | 40 | $58,864 | $2,355 |
| NOEMI SANCHEZ RODRIGUEZ | QUALITY MANAGER Key employee | 40 | $55,931 | $3,356 |
| HECTOR MELENDEZ RODRIGUEZ | BRANCH MANAGER Key employee | 40 | $48,277 | $2,897 |
| ERICA SANCHEZ RUIZ | HUMAN RESOURCES MANAGER Key employee | 40 | $41,766 | $1,671 |
| LILLIAM DEFENDINI ORTIZ | BRANCH MANAGER Key employee | 40 | $40,123 | $1,605 |
| MERILYN RIVERA | BRANCH MANAGER Key employee | 40 | $39,229 | $2,354 |
| KEILA Y SOSTRE | BRANCH MANAGER Key employee | 40 | $38,979 | $2,339 |
| REBECA GUTIERREZ PERALTA | COLLECTION MANAGER Key employee | 40 | $35,651 | $2,139 |
| NELLY CRUZ TORRES | BRANCH MANAGER Key employee | 40 | $35,360 | $1,414 |
| EDDIE C LEBRON | MARKETING PROMOTION AND EDUCATION OFFICER Key employee | 40 | $30,181 | $1,207 |
| WILLIE COLLAZO CUADRA | BOARD PRESIDENT Trustee or director | 0 | $0 | $0 |
| NYLSA FIGUEROA | BOARD VICE-PRESIDENT Trustee or director | 0 | $0 | $0 |
| CARMEN M VAZQUEZ | TREASURER Trustee or director | 0 | $0 | $0 |
| NOEMI TORRES RODRIGUEZ | SECRETARY Trustee or director | 0 | $0 | $0 |
| RAFAEL RIVERA | SUB TREASURER Trustee or director | 0 | $0 | $0 |
| JUAN A LAFUENTE ORTIZ | DIRECTOR Trustee or director | 0 | $0 | $0 |
| JORGE L DELGADO | DIRECTOR Trustee or director | 0 | $0 | $0 |
| EUGENIO BRITO ORTIZ | DIRECTOR Trustee or director | 0 | $0 | $0 |
| ADA I DE LEON ORTIZ | DIRECTOR Trustee or director | 0 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- PO BOX 127, MAUNABO, PR 00707-0127
- In care of
- % CARLOS CRESPO
- Principal officer (990 for 2025)
- CARLOS A CRESPO RAMOS, PO BOX 127, MAUNABO, PR 00707
- Signed the 990
- CARLOS CRESPO RAMOS, EXECUTIVE PRESIDENT
- Phone
- (787) 861-2240
- Website
- MAUNACOOPPR.COM
- Return prepared by
- Llavona Casas CPA PSC
Mission
TO PROVIDE ACCESSIBLE FINANCIAL SERVICES TO OUR MEMBERS AND CUSTOMERS IN ACCORDANCE WITH THE PHILOSOPHY OF THE COOPERATIVE MOVEMENT AND SOCIAL ECONOMY.
Program accomplishments
- INTEREST INCOME AND OTHER INCOME OF $15,172,740 AND TOTAL EXPENSES OF $9,611,849
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 year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | 990 on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 66-0271958
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1989
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Assets (IRS master file)
- $246,568,910
- Income (IRS master file)
- $14,698,939
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $14,698,939 | $10,808,201 | $246,568,910 | XML |
| 990 | December 2024 | $15,172,740 | $9,611,849 | $238,450,251 | XML |
| 990 | December 2023 | $16,255,291 | $9,871,613 | $235,618,166 | XML |
| 990 | December 2022 | $11,071,523 | $8,923,943 | $242,553,813 | IRS |
| 990 | December 2021 | $11,072,933 | $9,587,057 | $243,358,008 | XML |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | 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 66-0271958).
Questions about COOPERATIVA DE AHORRO Y CREDITO MAUNABO
- What is the EIN of COOPERATIVA DE AHORRO Y CREDITO MAUNABO?
- The employer identification number (EIN) of COOPERATIVA DE AHORRO Y CREDITO MAUNABO is 66-0271958.
- Is COOPERATIVA DE AHORRO Y CREDITO MAUNABO tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1989.
- Are donations to COOPERATIVA DE AHORRO Y CREDITO MAUNABO tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does COOPERATIVA DE AHORRO Y CREDITO MAUNABO 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 MAUNABO 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 MAUNABO 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 MAUNABO?
- The 990 for the year ended December 31, 2025 names CARLOS A CRESPO RAMOS.
- Who are the officers and directors of COOPERATIVA DE AHORRO Y CREDITO MAUNABO?
- The 990 for the year ended December 31, 2025 lists 12 people; 12 received compensation from the organization, the highest $201,365 (CARLOS A CRESPO RAMOS, EXECUTIVE PRESIDENT).
- How much revenue does COOPERATIVA DE AHORRO Y CREDITO MAUNABO have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $14,698,939, expenses of $10,808,201 and total assets of $246,568,910 at year end.
Other nonprofits in MAUNABO
- CENTRO DE IMPACTO SOCIAL MUJERES ENTENDIDAS EN LOS TIEMPOS CORP EIN 66-0900408 · last filed 990-N for 2025
- PROYECTO ALCANCE MAUNABO EIN 66-1047091 · last filed 990-N for 2025