ZUnclassifiedEIN: 660227873

Cooperativa de Ahorro Y Credito Dr M Zeno Gandia

Arecibo, Puerto Rico

A-Health Score
79A-

Financial Health Score

9-metric score across financial health, operational efficiency, and organizational resilience. Based on IRS Form 990 data.

Very Good

How This Organization Compares

Compared to 111 peers in Unclassified with $10M-$100M revenue

Working Capital Ratio (net assets ÷ expenses)

This Org6.30×
Peer Median5.86×
💰
$16.1M
Total Revenue
📊
$10.3M
Total Expenses
🏦
$64.9M
Net Assets
📋
$210.5M
Total Liabilities

Financial Trends

5-Year Trend Analysis

Financial Health Indicators

Revenue Growth
+40.6%
Year-over-year change (2022 → 2023)
Net Margin
+36.0%
Revenue minus expenses as % of revenue
Working Capital Ratio
6.30
Net assets divided by total expenses
Liabilities-to-Assets
76.4%
Total liabilities as % of total assets

Filing History

12 filings on record
YearRevenueExpensesAssets
2023$16,104,18641%$10,299,36016%$275,358,165
2022$11,452,6103%$8,905,1195%$274,854,6442%
2021$11,746,63714%$9,353,8522%$269,257,84912%
2020$10,322,70211%$9,580,82024%$240,085,33417%
2019$9,294,91911%$7,728,2405%$205,915,8254%
2018$8,371,76218%$7,360,06812%$197,965,4703%
2017$7,091,0337%$6,589,0446%$191,321,4071%
2016$7,592,96612%$6,997,3585%$189,486,1574%
2015$8,596,2914%$7,351,40410%$197,570,7803%
2014$8,908,6084%$8,171,7665%$202,860,8066%
2012$9,238,4286%$8,606,8307%$190,485,323
2011$9,815,718$9,284,362$190,513,619

Frequently Asked Questions

What does Cooperativa de Ahorro Y Credito Dr M Zeno Gandia do?

Cooperativa de Ahorro Y Credito Dr M Zeno Gandia is a unclassified nonprofit organization based in Puerto Rico. It is classified under NTEE code Z and is registered as a 501(c) tax-exempt organization with the IRS.

Is Cooperativa de Ahorro Y Credito Dr M Zeno Gandia financially healthy?

Based on our 9-metric Financial Health Score model, Cooperativa de Ahorro Y Credito Dr M Zeno Gandia has a score of 79/100 (Grade: A-). This score evaluates working capital, surplus consistency, debt ratio, revenue trends, program spending, fundraising efficiency, executive compensation, revenue diversification, and vulnerability indicators.

How much revenue does Cooperativa de Ahorro Y Credito Dr M Zeno Gandia generate?

Cooperativa de Ahorro Y Credito Dr M Zeno Gandia reports $16.4M in annual revenue and holds $276.2M in total assets, based on IRS filings.

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