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DURING THE FISCAL YEAR ENDED DECEMBER 31, 2024 THE INSTITUTION OBTAINED DEPOSIT FROM MEMBERS AND CONTINUE PROVIDING TO THEM AND THE COMMUNITY FINANCING SOURCES ALTERNATIVES WITH LOANS AT AFFORDABLE TERMS AS WELL AS ACCESSIBILITY TO TECHNOLOGY IN CHECKING, SAVING AND CREDIT PRODUCTS TO MANAGE THEIR PERSONAL FINANCES. 12036817 false false false false false false false false false true false false false true false true false false false false false false false false false false false false true false true false false false false false false false false false false false false true 0 0 90 true false false false false false false false false X 9 9 false false false false true true true true true false true true true true true true true true true true false X ANGEL NEGRON 7878592650 PO BOX 102 COROZAL PR 00786 EDDIE ALICEA EXECUTIVE PR 40.00 X 160437 0 5760 HECTOR J MOTTA BERRIOS DIR OF OPERA 40.00 X 60136 0 0 ANGEL NEGRON FINANCIAL DI 40.00 X 59713 0 0 JORGE A SURIA MONTALVO EXECUTIVE VP 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BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT MANUEL COLON SANTOS FROM 25,000 4,801 PERSONAL LOAN ( ) IN DEFAULT (X) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT HECTOR JAVIER MOTTA BERRIOS FROM 14,443 3,295 LOAN FOR AN AUTOMOBILE ( ) IN DEFAULT (X) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT EDDIE O SUAREZ ORTIZ FROM 5,000 3,058 PERSONAL LOAN ( ) IN DEFAULT (X) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT HECTOR JAVIER MOTTA BERRIOS FROM 1,446 1,314 LOAN INSURANCE MISCELLANEOUS ( ) IN DEFAULT (X) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT PABLO VAZQUEZ RAMOS FROM 3,000 1,267 PERSONAL LOAN ( ) IN DEFAULT (X) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT FORM 990, PAGE 2, PART III, LINE 4D DURING THE FISCAL YEAR ENDED DECEMBER 31, 2024 THE INSTITUTION OBTAINED DEPOSIT FROM MEMBERS AND CONTINUE PROVIDING TO THEM AND THE COMMUNITY FINANCING SOURCES ALTERNATIVES WITH LOANS AT AFFORDABLE TERMS AS WELL AS ACCESSIBILITY TO TECHNOLOGY IN CHECKING, SAVING AND CREDIT PRODUCTS TO MANAGE THEIR PERSONAL FINANCES. FORM 990, PAGE 6, PART VI, LINE 6 CLASSES OF MEMBERS OR STOCKHOLDERS. THE ORGANIZATION IS COMPOSED OF MEMBER WHO JOIN VOLUNTARILY TO MEET THEIR COMMON ECONOMIC AND SOCIAL NEEDS. FORM 990, PAGE 6, PART VI, LINE 7A THE MEMBERS OF THE ORGANIZATION HAVE THE POWER TO ELECT THE BOARD OF DIRECTORS FOR DIFFERENTS TERMS AS PROVIDED BY THE LAW 255. DURING THE ANNUAL MEETING OF MEMBERS WHICH IS HELD DURING THE SIX MONTHS FOLLOWING THE END OF FISCAL YEAR OF THE ORGANIZATION, OTHER COMMITTEES ARE ALSO ELECTED SUCH AS THE SUPERVISORY COMMITTEE. FORM 990, PAGE 6, PART VI, LINE 7B THE BOARD OF DIRECTORS IS IN CHARGE OF THE GOVERNANCE DECISIONS OF THE ORGANIZATION. NEVERTHELESS, AN ADMINISTRATIVE MATTER PRESENTED BY A MEMBER IN THE ANNUAL MEETING OF MEMBERS BY MEANS OF A FORMAL PROPOSAL WHICH IS APPROVED BY THE MAJORITY OF THE VOTES WILL BE MANDATORY FOR THE PRESENT AND ABSENT MEMBERS AS LONG AS IT IS IN ACCORDANCE WITH THE GENERAL REGULATIONS OF THE INSTUTION AND THE APPLICABLE LAWS. FORM 990, PAGE 6, PART VI, LINE 11B WHEN FORM 990 IS READY FOR REVIEW THE BOARD OF DIRECTOR DISCUSS IT WITH THE PRESIDENT OF THE CREDIT UNION AND THE DIRECTOR OF FINANCE. ONCE THIS DISCUSSION IS COMPLETED, THE RETURN IS AUTHORIZED TO BE FILED WITH THE IRS. FORM 990, PAGE 6, PART VI, LINE 12C THE SUPERVISORY COMMITED OF THE BOARD OF DIRECTORS PERFORM THIS TASK. IN CONFORMITY WITH THE DISPOSITIONS OF THE LAW NUMBERS 225, EVERY TRANSACTION INVOLVING A DIRECTOR, OFFICER OR KEY EMPLOYEE ARE EVALUATED BY THEM. FORM 990, PAGE 6, PART VI, LINE 15A THE BOARD OF DIRECTOR IS INVOLVED IN THE PROCESS FOR DETERMINING COMPESATION FOR THE EXECUTIVE DIRECTOR OF THE CREDIT UNION. FORM 990, PAGE 6, PART VI, LINE 15B IN THE CASE OF THE KEY EMPLOYEES OF THE INSTITUION, THE PROCESS IS PERFORMED BY THE EXECUTIVE DIRECTOR ALONG WITH THE HUMAN RESOURCES DIRECTOR. FORM 990, PAGE 6, PART VI, LINE 19 THE CREDIT UNIONS HAS AVAILABLE ITS FINANCIAL STATEMENTS, MEMBERS MANUALS, BROCHURE AND THE PRIVACY POLICY TO PUBLIC INSPECTION. FORM 990, PART XI, LINE 9 SHARES CONTRIBUTION FROM MEMBERS 33,739,109 WITHDRAWAL OF SHARES FROM MEMBERS -32,836,248 TRANSFERS FROM DORMANT ACCOUNTS, NET 245,371 SHARES TRANSFERRED FROM REGLA DE ORO CREDIT UNION 8,922,942 ACCUMULATED COMPREHENSIVE NET INCOME 89,257 TOTAL 10,160,431