Z — UnclassifiedEIN: 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$16,104,186↑41%$10,299,360↑16%$275,358,165
2022$11,452,610↓3%$8,905,119↓5%$274,854,644↑2%
2021$11,746,637↑14%$9,353,852↓2%$269,257,849↑12%
2020$10,322,702↑11%$9,580,820↑24%$240,085,334↑17%
2019$9,294,919↑11%$7,728,240↑5%$205,915,825↑4%
2018$8,371,762↑18%$7,360,068↑12%$197,965,470↑3%
2017$7,091,033↓7%$6,589,044↓6%$191,321,407↑1%
2016$7,592,966↓12%$6,997,358↓5%$189,486,157↓4%
2015$8,596,291↓4%$7,351,404↓10%$197,570,780↓3%
2014$8,908,608↓4%$8,171,766↓5%$202,860,806↑6%
2012$9,238,428↓6%$8,606,830↓7%$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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