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COOPERATIVA DE AHORRO Y CREDITO SAN JOSE

EIN 66-0231533 AIBONITO, PR

Browse the largest nonprofits in Puerto Rico

Revenue 2025
$23,248,058
Expenses 2025
$18,113,714

Program services were 70.5% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.

As filed

Subsection
14
Street
CALLE DEGETAU ESQUINA VIZCARRONDO

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

IT'S A COOPERATIVE LOAN AND SAVINGS ASSOCIATION.

Activities or mission (Part I)

NON-PROFIT ORGANIZATION CREATED UNDER THE COMMONWEALTH OF PUERTO RICO. IT'S A FINANCIAL INSTITUTION THAT RECEIVES SAVINGS FUNDS AS DEPOSITS AND SHARES. ALSO PROVIDE FINANCING SOURCES OF LOANS TO MEMBERS AS PERSONAL, MORTGAGE, AUTOMOBILE AND OTHERS.

  • THE ORGANIZATION ACCOMPLISHES ITS PURPOSES BY MAKING AVAILABLE SAVINGS AND CREDIT AFFORDABLE TO ITS MEMBERS.

    Expenses $12,771,801 · Revenue $23,248,058

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.

  • Ricky Berrios Figueroa

    CEO

    Total calculated
    $203,456
    From this org
    $203,456
    From related orgs
    $0
    Other
    $0
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $203,456
    Bonus
    $0
    Other
    $0
    Deferred
    $0
    Nontaxable benefits
    $0
    Filer's total
    $203,456

  • Yahaira Santiago Andaluz

    EXECUTIVE VICE-PRESIDENT

    Total calculated
    $102,620
    From this org
    $102,620
    From related orgs
    $0
    Other
    $0
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $102,620
    Bonus
    $0
    Other
    $0
    Deferred
    $0
    Nontaxable benefits
    $0
    Filer's total
    $102,620

  • Fernando L Figueroa Rivera

    FINANCIAL OFFICER

    Total calculated
    $89,060
    From this org
    $89,060
    From related orgs
    $0
    Other
    $0
    Hours/week
    40

  • Lester Guzman Tirado

    AUDITOR MANAGER

    Total calculated
    $78,492
    From this org
    $78,492
    From related orgs
    $0
    Other
    $0
    Hours/week
    40

  • Glenda I Rivera Ortiz

    OPERATIONS OFFICER

    Total calculated
    $69,008
    From this org
    $69,008
    From related orgs
    $0
    Other
    $0
    Hours/week
    40

  • Edanise Santiago Ortiz

    MANAGER

    Total calculated
    $66,912
    From this org
    $66,912
    From related orgs
    $0
    Other
    $0
    Hours/week
    40

  • Carlos H Rodriguez Nieves

    MANAGER

    Total calculated
    $65,647
    From this org
    $65,647
    From related orgs
    $0
    Other
    $0
    Hours/week
    40

  • Jason Caldera Torres

    MANAGER

    Total calculated
    $65,598
    From this org
    $65,598
    From related orgs
    $0
    Other
    $0
    Hours/week
    40

  • Luz E Ortiz Rosario

    COMPLIANCE OFFICER

    Total calculated
    $65,350
    From this org
    $65,350
    From related orgs
    $0
    Other
    $0
    Hours/week
    40

  • Abimael Gonzalez Rolon

    SYSTEM OFFICER

    Total calculated
    $56,318
    From this org
    $56,318
    From related orgs
    $0
    Other
    $0
    Hours/week
    40

  • Hector De Jesus Nunez

    SYSTEM OFFICER

    Total calculated
    $55,772
    From this org
    $55,772
    From related orgs
    $0
    Other
    $0
    Hours/week
    40

  • Laurimar Berrios Rosario

    OPERATIONS OFFICER

    Total calculated
    $52,102
    From this org
    $52,102
    From related orgs
    $0
    Other
    $0
    Hours/week
    40

  • Sarid Bermudez Vazquez

    OPERATIONS OFFICER

    Total calculated
    $49,402
    From this org
    $49,402
    From related orgs
    $0
    Other
    $0
    Hours/week
    40

  • Johanna Segarra Ortiz

    OPERATIONS OFFICER

    Total calculated
    $45,523
    From this org
    $45,523
    From related orgs
    $0
    Other
    $0
    Hours/week
    40

  • Grisel Del Valle Rivera

    OPERATION OFFICIAL

    Total calculated
    $45,395
    From this org
    $45,395
    From related orgs
    $0
    Other
    $0
    Hours/week
    40

  • Yorimar Diaz Ortiz

    COLLECTION SUPERVISOR

    Total calculated
    $42,718
    From this org
    $42,718
    From related orgs
    $0
    Other
    $0
    Hours/week
    40

  • Ana Elsa Alicea Collazo

    REGISTER SUPERVISOR

    Total calculated
    $41,856
    From this org
    $41,856
    From related orgs
    $0
    Other
    $0
    Hours/week
    40

  • Ivette M Cartagena Rivera

    HUMAN RESOURCES OFFICER

    Total calculated
    $40,237
    From this org
    $40,237
    From related orgs
    $0
    Other
    $0
    Hours/week
    40

  • Felix X Morales Colon

    SYSTEMS OFFICER

    Total calculated
    $38,411
    From this org
    $38,411
    From related orgs
    $0
    Other
    $0
    Hours/week
    40

  • Edgardo Rodriguez Morales

    PRESIDENT BOARD OF DIRECTORS

    Total calculated
    $5,288
    From this org
    $0
    From related orgs
    $0
    Other
    $5,288
    Hours/week
    4

  • Evelyn Quiles Rosario

    DIRECTOR BOARD OF DIRECTOR

    Total calculated
    $2,362
    From this org
    $0
    From related orgs
    $0
    Other
    $2,362
    Hours/week
    4

  • Carlos G Vazquez Cartagena

    SUB TREASURER BOARD OF DIRECTOR

    Total calculated
    $1,280
    From this org
    $0
    From related orgs
    $0
    Other
    $1,280
    Hours/week
    4

  • Rafael Santos Balibrea

    TREASURER BOARD OF DIRECTOR

    Total calculated
    $1,160
    From this org
    $0
    From related orgs
    $0
    Other
    $1,160
    Hours/week
    4

  • Carlos Hernandez Rosario

    VICE PRESIDENT BOARD OF DIRECTOR

    Total calculated
    $930
    From this org
    $0
    From related orgs
    $0
    Other
    $930
    Hours/week
    4

  • Esther Colon Roche

    SECRETARY BOARD OF DIRECTOR

    Total calculated
    $880
    From this org
    $0
    From related orgs
    $0
    Other
    $880
    Hours/week
    4

The first 25 listed. 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
    $23,248,058
    Expenses
    $18,113,714
    Contributions
    $0
    Grants paid
    $0
  • 2024
    Revenue
    $21,386,623
    Expenses
    $16,900,437
    Contributions
    $0
    Grants paid
    $0
  • 2023
    Revenue
    $21,995,808
    Expenses
    $14,350,797
    Contributions
    $0
    Grants paid
    $0
  • 2022
    Revenue
    $15,562,374
    Expenses
    $11,470,820
    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
    $13,966,516
    Expenses
    $11,247,020
    Assets (EOY)
    $253,903,787

  • 2020 · 990

    Revenue
    $11,822,315
    Expenses
    $11,084,388
    Assets (EOY)
    $220,432,676

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 9 November 2026 and read 9 November 2026, for every organization at once. Returns through tax year 2025, the newest we have parsed for this organization.