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COOPERATIVA DE AHORRO Y CREDITO CAMUY

EIN 66-0219584 CAMUY, PR

Largest nonprofits in Puerto Rico

Revenue 2025
$24,457,120
Expenses 2025
$17,589,858

Program services were 0.0% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.

As filed

Subsection
14
Classification
1000
Street
PO BOX 540

These codes are the IRS's own and are shown exactly as filed. What each one means is in the Business Master File documentation (opens in a new tab).

Mission and programs · 2025

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.

  • INTEREST INCOME AND OTHER INCOME OF 24,457,120 AND TOTAL EXPENSES OF 17,589,858.

As filed on the 2025 return.

Officers and directors · 2025

As listed in Part VII of the 2025 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.

  • Michele Franqui Baquero

    EXECUTIVE PRESIDENT

    Total calculated
    $282,884
    From this org
    $264,378
    From related orgs
    $0
    Other
    $18,506
    Hours/week
    0 + 50 related

    Schedule J breakdown matched by us

    Base
    $264,378
    Bonus
    $0
    Other
    $0
    Deferred
    $18,506
    Nontaxable benefits
    $0
    Filer's total
    $282,884
  • Emmanuel Roman Figueroa

    VICEPRESIDENT OF ADMINISTRATION

    Total calculated
    $138,682
    From this org
    $132,078
    From related orgs
    $0
    Other
    $6,604
    Hours/week
    0 + 45 related

    Schedule J breakdown matched by us

    Base
    $132,078
    Bonus
    $0
    Other
    $0
    Deferred
    $6,604
    Nontaxable benefits
    $0
    Filer's total
    $138,682
  • Alvin Atiles Tosado

    VICEPRESIDENT OF FINANCE

    Total calculated
    $113,511
    From this org
    $106,085
    From related orgs
    $0
    Other
    $7,426
    Hours/week
    0 + 45 related

    Schedule J breakdown matched by us

    Base
    $106,085
    Bonus
    $0
    Other
    $0
    Deferred
    $7,426
    Nontaxable benefits
    $0
    Filer's total
    $113,511
  • Maria L Ramos Nieves

    BOARD PRESIDENT

    Total calculated
    $0
    Hours/week
    0 + 10 related
  • Yamilka Saavedra Tosado

    SECRETARY

    Total calculated
    $0
    Hours/week
    0 + 10 related
  • Ivette Quijano Rosa

    DIRECTOR

    Total calculated
    $0
    Hours/week
    0 + 10 related
  • Mayra Ortiz Ruiz

    SUB-SECRETARY

    Total calculated
    $0
    Hours/week
    0 + 10 related
  • Carlos A Morales Morell

    DIRECTOR

    Total calculated
    $0
    Hours/week
    0 + 10 related
  • Ana J Cordero Rosado

    DIRECTOR

    Total calculated
    $0
    Hours/week
    0 + 10 related
  • Juan Sonera Gonzalez

    DIRECTOR

    Total calculated
    $0
    Hours/week
    0 + 10 related
  • Jose F Ruiz Ramos

    VP OF BOARD OF DIRECTOR

    Total calculated
    $0
    Hours/week
    0 + 10 related
  • Sonia Chico Velez

    DIRECTOR

    Total calculated
    $0
    Hours/week
    0 + 10 related

Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us. Earlier years are each on their own filing page.

Filings

  • 2025
    Revenue
    $24,457,120
    Expenses
    $17,589,858
    Contributions
    $0
    Grants paid
    $0
  • 2024
    Revenue
    $24,863,696
    Expenses
    $15,993,808
    Contributions
    $3,197,097
    Grants paid
    $0
  • 2023
    Revenue
    $20,587,482
    Expenses
    $13,653,220
    Contributions
    $3,000,000
    Grants paid
    $0
  • 2022
    Revenue
    $15,010,171
    Expenses
    $10,479,884
    Contributions
    $0
    Grants paid
    $0

The four totals the IRS asks for on Part I of the Form 990, as filed. A dash means the figure was not present on the return — not that it was zero.

Other returns filed

  • 2021 · 990

    Revenue
    $14,864,863
    Expenses
    $9,593,850
    Assets (EOY)
    $291,444,292
  • 2020 · 990

    Revenue
    $10,831,806
    Expenses
    $8,241,044
    Assets (EOY)
    $217,010,002
  • 2012 · 990

    Revenue
    not reported
    Expenses
    $7,326,890
    Assets (EOY)
    $174,586,621

Nonprofiteer parses Forms 990, 990-EZ and 990-PF, in a window of recent tax years. These returns are recorded from the IRS e-file index, so their figures were extracted by that index rather than read from the return here — treat them as a different source from the filings above, not as more of the same record. A dash means the index carries no figure; Form 990-T listings carry none at all.

Grants made

No itemized grants to organizations. Schedule I is filed only by organizations that granted more than $5,000 to a recipient, so most filers have none.

Grants received

No itemized grant names this organization as a recipient. Only grants over $5,000 are itemized, and only by filers of the full Form 990.

Other IRS files

Auto-Revocation List

Not listed. The IRS publishes this list for organizations whose exemption was automatically revoked for failing to file for three consecutive years.

Publication 78

Not present in the most recent drop.

These are two separate IRS files on two separate schedules, shown as published and not reconciled with each other. Neither is a statement about whether a contribution is deductible today: 19,245 organizations appear in Publication 78 while the IRS's own revocation file lists them as currently revoked, more than half of those revoked before 2019. Absence from Publication 78 is evidence of nothing, and presence is not evidence either. Verify current status with the IRS before relying on it.

What this page reflects

The registration facts above come from the IRS Business Master File published 13 October 2026 and read 1 November 2026, for every organization at once. Returns through tax year 2025, the newest we have parsed for this organization.