Skip to content
Nonprofiteer
← All organizations

COOPERATIVE AHORRO Y CREDITO DE AGUADILLA

EIN 66-0217489 AGUADILLA, PR

Largest nonprofits in Puerto Rico

Revenue 2024
$11,178,035
Expenses 2024
$7,962,421

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 541

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 · 2024

Mission

LOCAL CREDIT UNION, SAVINGS AND LOAN FOR MEMBERS. THESE ENTITIES ARE EXEMPT FROM INCOME TAXES, MUNICIPAL LICENSES AND PROPERTY TAX UNDER THE STATE LAW APPLIED TO COOPERATIVES. THESE ENTITIES DO NOT RECEIVE ANY FEDERAL OR STATE GRANT, NEITHER DONATIONS. THE MAIN ACTIVITY IS TO PROVIDE LOANS AND TO OFFER DIFFERENT SAVINGS ACCOUNTS.

Activities or mission (Part I)

THE ORGANIZATION IS A CREDIT UNION THAT PROVIDED SERVICES OF SAVINGS ACCOUNTS AND LOANS TO MEMBER AND NON MEMBERS.

  • LOCAL CREDIT UNION, SAVINGS AND LOAN FOR MEMBERS. THESE ENTITIES ARE EXEMPT FROM INCOME TAXES, MUNICIPAL LICENSES AND PROPERTY TAX UNDER THE STATE LAW APPLIED TO COOPERATIVES. THESE ENTITIES DO NOT RECEIVE ANY FEDERAL OR STATE GRANT, NEITHER DONATIONS. THE MAIN ACTIVITY IS TO PROVIDE LOANS AND TO OFFER DIFFERENT SAVINGS ACCOUNTS.

As filed on the 2024 return.

Officers and directors · 2024

As listed in Part VII of the 2024 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.

  • Carlos Camacho

    General Manager

    Total calculated
    $148,475
    From this org
    $148,475
    From related orgs
    $0
    Other
    $0
    Hours/week
    40
  • Sandra Laracuente

    Operation Manager

    Total calculated
    $56,269
    From this org
    $56,269
    From related orgs
    $0
    Other
    $0
    Hours/week
    40
  • Raul Velez

    President

    Total calculated
    $0
    Hours/week
    4
  • Carmen S Pagan

    Vicepresident

    Total calculated
    $0
    Hours/week
    4
  • Fe Hurtado

    Secretary

    Total calculated
    $0
    Hours/week
    4
  • Henry Falu

    Director

    Total calculated
    $0
    Hours/week
    4
  • Agustin Soto

    Treasurer(2)

    Total calculated
    $0
    Hours/week
    4
  • Maria Moreno Acosta

    Director

    Total calculated
    $0
    Hours/week
    4
  • Heriberto Muriel

    Treasurer

    Total calculated
    $0
    Hours/week
    4
  • Ana M Sein Lorenzo

    Subsecretary

    Total calculated
    $0
    Hours/week
    4
  • Heriberto Badillo Cortes

    Director

    Total calculated
    $0
    Hours/week
    4

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. Earlier years are each on their own filing page.

Filings

  • 2024
    Revenue
    $11,178,035
    Expenses
    $7,962,421
    Contributions
    $0
    Grants paid
    $0
  • 2023
    Revenue
    $8,169,219
    Expenses
    $7,305,724
    Contributions
    $0
    Grants paid
    $0
  • 2022
    Revenue
    $6,511,561
    Expenses
    $5,734,104
    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
    $6,490,918
    Expenses
    $6,407,005
    Assets (EOY)
    $124,747,566
  • 2020 · 990

    Revenue
    $5,213,688
    Expenses
    $6,403,410
    Assets (EOY)
    $111,852,553
  • 2019 · 990

    Revenue
    $5,849,426
    Expenses
    $5,310,769
    Assets (EOY)
    $100,512,880
  • 2018 · 990

    Revenue
    $4,095,388
    Expenses
    $5,428,946
    Assets (EOY)
    $107,411,642

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

Related organizations

From Schedule R Part II, where a filer lists the tax-exempt organizations it is related to by control. It does not record shared board members or money.

Declared on its 2024 return

  • Borinquen Town Corp

    Rent · PR

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 2024, the newest we have parsed for this organization.