Nonprofit · EIN 66-0227873
COOPERATIVA DE AHORRO Y CREDITO DR M ZENO GANDIA
Tax-exempt · ARECIBO, PR 00612
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $15,944,411 | $12,034,401 | $3,910,010 | $285,772,439 | $214,153,553 | $71,618,886 |
| December 31, 2024 | 990 | $16,401,971 | $12,276,346 | $4,125,625 | $276,177,412 | $208,138,813 | $68,038,599 |
| December 31, 2023 | 990 | $16,104,186 | $10,299,360 | $5,804,826 | $275,358,165 | $210,459,893 | $64,898,272 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $428,333
- of which government grants
- $428,333
- Program service revenue
- $0
- Investment income
- $14,237,658
- Other revenue
- $1,278,420
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $428,678
- Other salaries and wages
- $2,135,597
- Salaries, compensation and benefits (total)
- $3,195,572
- Professional fundraising fees
- $0
- Occupancy
- $168,838
- Travel
- $57,365
- Depreciation
- $486,469
- Management and general (functional)
- $12,034,401
Balance sheet and other
- Total assets, start of year
- $276,177,412
- Total assets, end of year
- $285,772,439
- Total liabilities, end of year
- $214,153,553
- Net assets, end of year
- $71,618,886
- Land, buildings and equipment
- $4,827,243
- Publicly traded securities
- $105,763,452
- Gross receipts
- $15,944,411
- Employees
- 69
- Volunteers
- 14
- Year formed
- 1953
- State of legal domicile
- PR
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| SAHILY N RIVAS OLIVERAS | EXECUTIVE PRESIDENT Highest-paid employee | 50 | $136,148 | $6,093 |
| JUAN L RODRIGUEZ SOTO | COMPTROLLER Key employee | 50 | $71,640 | $7,207 |
| XIOMARA ROSADO RIVERA | MANAGER Key employee | 50 | $74,475 | $3,458 |
| ADALIS RIVERA ALVAREZ | CREDIT DIRECTOR Key employee | 50 | $74,255 | $3,458 |
| JOSE ROMAN ACEVEDO | OPERATION DIRECTOR Officer | 50 | $72,160 | $3,458 |
990 for the year ended December 31, 2024: 3 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| SAHILY N RIVAS OLIVERAS | EXECUTIVE PRESIDENT Highest-paid employee | 50 | $105,000 |
| XIOMARA ROSADO RIVERA | MANAGER Key employee | 50 | $66,893 |
| JUAN L RODRIGUEZ SOTO | SUPERVISOR OF FINANCE Key employee | 50 | $62,400 |
990 for the year ended December 31, 2023: 3 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| SAHILY N RIVAS OLIVERAS | EXECUTIVE PRESIDENT Highest-paid employee | 50 | $103,109 |
| JUAN L RODRIGUEZ SOTO | SUPERVISOR OF FINANCE Key employee | 50 | $63,206 |
| XIOMARA ROSADO RIVERA | MANAGER Key employee | 50 | $55,355 |
Address and contacts
- Address (IRS master file)
- URB VILLA LOS SANTOS CARR 65 KM 1, ARECIBO, PR 00612-0000
- In care of
- % COOPERATIVA DE AHORRA Y CREDITO M
- Mailing address (990-N for 2013)
- PO BOX 1865, ARECIBO PR 00613
- Principal officer (990 for 2025)
- SAHILY N RIVAS OLIVERAS, PO BOX 1865, ARECIBO, PR 00613
- Principal officer (990-N for 2013)
- EFRAIN DOMENECH, PO BOX 1865, ARECIBO PR 00613
- Signed the 990
- SAHILY N RIVAS OLIVERAS, EXECUTIVE PRESIDENT
- Phone
- (787) 993-4360
- Website
- WWW.ZENOGANDIA.COOP
- Return prepared by
- GONZALEZ TORRES & CO CPA PSC
Mission
TO OBTAIN SAVING DEPOSITS FROM ITS MEMBERS AS SHARE AND DEPOSITS AND OFFER FINANCING SOURCES FOLLOWING THE COOPERATIVE MOVEMENT PHILOSOPHY.
Program accomplishments
- INTEREST INCOME AND OTHER INCOME OF 15,944,411 AND TOTAL EXPENSES OF 12,034,401.0
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | 990 on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 66-0227873
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1985
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Assets (IRS master file)
- $285,772,439
- Income (IRS master file)
- $15,944,411
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $15,944,411 | $12,034,401 | $285,772,439 | XML |
| 990 | December 2024 | $16,401,971 | $12,276,346 | $276,177,412 | XML |
| 990 | December 2023 | $16,104,186 | $10,299,360 | $275,358,165 | XML |
| 990 | December 2022 | $11,452,610 | $8,905,119 | $274,854,644 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2019 | – | – | – | IRS |
| 990-N for 2013 Officer: EFRAIN DOMENECH | December 31, 2013 | ≤ $50,000 receipts | – | – | e-Postcard |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 66-0227873).
Questions about COOPERATIVA DE AHORRO Y CREDITO DR M ZENO GANDIA
- What is the EIN of COOPERATIVA DE AHORRO Y CREDITO DR M ZENO GANDIA?
- The employer identification number (EIN) of COOPERATIVA DE AHORRO Y CREDITO DR M ZENO GANDIA is 66-0227873.
- Is COOPERATIVA DE AHORRO Y CREDITO DR M ZENO GANDIA tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1985.
- Are donations to COOPERATIVA DE AHORRO Y CREDITO DR M ZENO GANDIA tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does COOPERATIVA DE AHORRO Y CREDITO DR M ZENO GANDIA file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of COOPERATIVA DE AHORRO Y CREDITO DR M ZENO GANDIA due?
- The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did COOPERATIVA DE AHORRO Y CREDITO DR M ZENO GANDIA last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2025.
- Who is the principal officer of COOPERATIVA DE AHORRO Y CREDITO DR M ZENO GANDIA?
- The 990 for the year ended December 31, 2025 names SAHILY N RIVAS OLIVERAS.
- Who are the officers and directors of COOPERATIVA DE AHORRO Y CREDITO DR M ZENO GANDIA?
- The 990 for the year ended December 31, 2025 lists 5 people; 5 received compensation from the organization, the highest $136,148 (SAHILY N RIVAS OLIVERAS, EXECUTIVE PRESIDENT).
- How much revenue does COOPERATIVA DE AHORRO Y CREDITO DR M ZENO GANDIA have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $15,944,411, expenses of $12,034,401 and total assets of $285,772,439 at year end.
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