Z — UnclassifiedEIN: 660312690

Cooperativa Ahorro Y Credito Pepiniana

San Sebastian, Puerto Rico

BHealth Score
64B

Financial Health Score

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

Above Average

How This Organization Compares

Compared to 22 peers in Unclassified with $1M-$10M revenue

Working Capital Ratio (net assets ÷ expenses)

This Org3.15×
Peer Median15.40×
💰
$5.4M
Total Revenue
📊
$4.7M
Total Expenses
🏦
$14.7M
Net Assets
📋
$101.8M
Total Liabilities

Financial Trends

5-Year Trend Analysis

Financial Health Indicators

Revenue Growth
+10.0%
Year-over-year change (2022 → 2023)
Net Margin
+13.7%
Revenue minus expenses as % of revenue
Working Capital Ratio
3.15
Net assets divided by total expenses
Liabilities-to-Assets
87.4%
Total liabilities as % of total assets

Filing History

13 filings on record
YearRevenueExpensesAssets
2023$5,412,427↑10%$4,671,211↑11%$116,485,705↓4%
2022$4,922,172↑7%$4,222,523↓4%$121,528,846
2021$4,591,333↑17%$4,414,554↑6%$121,698,718↑13%
2020$3,932,481↓4%$4,151,035↓11%$107,433,726↑13%
2019$4,100,738↑26%$4,676,944$94,892,934↑1%
2018$3,259,424↑1%$4,659,101↑15%$93,775,762
2017$3,237,406↓19%$4,059,921↓9%$93,509,654
2016$3,991,897↑1%$4,472,467↑26%$93,461,410
2015$3,953,970↓3%$3,540,613↑1%$93,511,078↑2%
2014$4,089,507↓3%$3,493,927↓4%$91,626,932↑3%
2013$4,201,899↓8%$3,637,305↓12%$88,604,397
2012$4,592,080↑3%$4,141,794$88,552,235↑6%
2011$4,475,321$4,131,965$83,727,167

Frequently Asked Questions

What does Cooperativa Ahorro Y Credito Pepiniana do?▼

Cooperativa Ahorro Y Credito Pepiniana 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 Ahorro Y Credito Pepiniana financially healthy?▼

Based on our 9-metric Financial Health Score model, Cooperativa Ahorro Y Credito Pepiniana has a score of 64/100 (Grade: B). 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 Ahorro Y Credito Pepiniana generate?▼

Cooperativa Ahorro Y Credito Pepiniana reports $5.9M in annual revenue and holds $120.0M in total assets, based on IRS filings.

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