2026-06-08T10:11:23-07:00 2025-12-31 660824029 Javier F Ortiz Diaz CPA CSP PO Box 312 Aibonito PR 00705 990 2025-01-01 660231533 COOPERATIVA DE AHORRO Y CREDITO SAN JOSE COOP 7877357474 CALLE DEGETAU ESQUINA VIZCARRONDO AIBONITO PR 00705 FERNANDO L FIGUEROA RIVERA FINANCIAL OFFICER 7877357474 2026-05-29 1 Javier Ortiz P01425221 7877355971 2026-05-29 2025 2025-03-06 01:10:19Z FERNANDO L FIGUEROA RIVERA CALLE DEGETAU ESQUINA VIZCARRONDO AIBONITO PR 00705 23248058 0 X https://coopsanjose.com/ X COOPERATIVE 1957 PR NON-PROFIT ORGANIZATION CREATED UNDER THE COMMONWEALTH OF PUERTO RICO. IT'S A FINANCIAL INSTITUTION THAT RECEIVES SAVINGS FUNDS AS DEPOSITS AND SHARES. ALSO PROVIDE FINANCING SOURCES OF LOANS TO MEMBERS AS PERSONAL, MORTGAGE, AUTOMOBILE AND OTHERS. 9 9 77 0 0 0 0 0 13115000 14776321 4925237 4391088 3346386 4080649 21386623 23248058 0 0 0 0 4206448 4367561 0 0 0 12693989 13746153 16900437 18113714 4486186 5134344 315802392 326739758 227543901 232794961 88258491 93944797 IT'S A COOPERATIVE LOAN AND SAVINGS ASSOCIATION. 0 0 12771801 0 23248058 THE ORGANIZATION ACCOMPLISHES ITS PURPOSES BY MAKING AVAILABLE SAVINGS AND CREDIT AFFORDABLE TO ITS MEMBERS. 0 0 0 12771801 0 0 0 0 0 0 0 0 0 1 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 77 1 0 0 0 0 0 0 0 0 X 9 9 0 0 0 0 1 1 1 1 1 0 1 1 0 1 1 1 1 1 1 1 0 PR X FERNANDO L FIGUEROA RIVERA 7877357474 CALLE DEGETAU ESQUINA VIZCARRONDO AIBONITO PR 00705 RICKY BERRIOS FIGUEROA CEO 40 0 X 203456 0 0 YAHAIRA SANTIAGO ANDALUZ EXECUTIVE VICE-PRESIDENT 40 0 X 102620 0 0 FERNANDO L FIGUEROA RIVERA FINANCIAL OFFICER 40 0 X 89060 0 0 LESTER GUZMAN TIRADO AUDITOR MANAGER 40 0 X 78492 0 0 GLENDA I RIVERA ORTIZ OPERATIONS OFFICER 40 0 X 69008 0 0 EDANISE SANTIAGO ORTIZ MANAGER 40 0 X 66912 0 0 CARLOS H RODRIGUEZ NIEVES MANAGER 40 0 X 65647 0 0 JASON CALDERA TORRES MANAGER 40 0 X 65598 0 0 LUZ E ORTIZ ROSARIO COMPLIANCE OFFICER 40 0 X 65350 0 0 ABIMAEL GONZALEZ ROLON SYSTEM OFFICER 40 0 X 56318 0 0 HECTOR DE JESUS NUNEZ SYSTEM OFFICER 40.00 0 X 55772 0 0 LAURIMAR BERRIOS ROSARIO OPERATIONS OFFICER 40 0 X 52102 0 0 SARID BERMUDEZ VAZQUEZ OPERATIONS OFFICER 40 0 X 49402 0 0 JOHANNA SEGARRA ORTIZ OPERATIONS OFFICER 40 0 X 45523 0 0 GRISEL DEL VALLE RIVERA OPERATION OFFICIAL 40 0 X 45395 0 0 YORIMAR DIAZ ORTIZ COLLECTION SUPERVISOR 40 0 X 42718 0 0 ANA ELSA ALICEA COLLAZO REGISTER SUPERVISOR 40 0 X 41856 0 0 IVETTE M CARTAGENA RIVERA HUMAN RESOURCES OFFICER 40 0 X 40237 0 0 FELIX X MORALES COLON SYSTEMS OFFICER 40 0 X 38411 0 0 EDGARDO RODRIGUEZ MORALES PRESIDENT BOARD OF DIRECTORS 4 0 X 0 0 5288 EVELYN QUILES ROSARIO DIRECTOR BOARD OF DIRECTOR 4 0 X 0 0 2362 CARLOS G VAZQUEZ CARTAGENA SUB TREASURER BOARD OF DIRECTOR 4 0 X 0 0 1280 RAFAEL SANTOS BALIBREA TREASURER BOARD OF DIRECTOR 4 0 X 0 0 1160 CARLOS HERNANDEZ ROSARIO VICE PRESIDENT BOARD OF DIRECTOR 4 0 X 0 0 930 ESTHER COLON ROCHE SECRETARY BOARD OF DIRECTOR 4 0 X 0 0 880 REINALDO VIDAL LOPEZ SUB SECRETARY BOARD OF DIRECTOR 4 0 X 0 0 848 JORGE ROSADO DIRECTOR BOARD OF DIRECTOR 4 0 X 0 0 542 JOSE ROLON DIRECTOR BOARD OF DIRECTOR 4 0 X 0 0 440 1273877 0 13730 2 0 1 0 EFICO LLC TERRAZAS DE GUAYNABO CALLE VIOLETA D-22 GUAYNABO PR 00969 CONSULTING 204910 OSCAR LAW GROUP LLC VEREDAS DEL PARQUE 5003 CAROLINA PR 00987 CONSULTING 201495 BLUE MORPHO CREATIVE LLC PO BOX 191627 SAN JUAN PR 00919 ADVERTISING 132952 VPNET PO BOX 193780 SAN JUAN PR 00919 COMMUNICATION 126468 5 0 PROGRAM SERVICE REVENUE 522130 14776321 14776321 0 0 0 0 0 0 14776321 4391088 4391088 0 0 0 0 0 0 0 0 0 0 131200 0 0 0 131200 0 131200 131200 0 0 0 0 COMISSION 522130 965015 965015 0 0 ATH FEES REVENUE 522130 669645 669645 0 0 CHECK ACCOUNT INCOME 522130 555856 555856 0 0 1758933 1758933 0 0 3949449 23248058 23248058 0 0 X 1273877 815281 458596 0 0 2195620 1405197 790423 0 139206 89092 50114 0 409573 262127 147446 0 349285 223542 125743 0 300508 192325 108183 0 2045196 1308925 736271 0 59014 0 59014 0 64200 41088 23112 0 3379982 3379982 0 0 658790 421626 237164 0 1093563 699880 393683 0 6144900 3932736 2212164 0 18113714 12771801 5341913 0 7321120 19367542 7867642 6398142 198803826 207677873 600583 1040528 15584734 8031092 7703267 7553642 87057273 77704864 5984820 6074532 463861 922635 315802392 326739758 5119051 4838646 222424850 227956315 227543901 232794961 X 52901111 53877851 0 0 35357380 40066946 88258491 93944797 315802392 326739758 X 5134344 0 0 0 0 551962 X 0 1 X 1 0 2513313 0 2513313 6593066 0 3348232 3244834 1195829 0 959254 236575 3112179 0 2345404 766775 2170347 0 1378202 792145 7553642 0 SAVINGS ACCOUNTS 158700483 SAVINGS CERTIFICATES OF DEPOSIT 69255832 227956315 23248058 0 0 0 0 0 23248058 0 0 0 23248058 18113714 0 0 0 0 0 18113714 0 0 0 18113714 X 0 0 0 RICKY BERRIOS FIGUEROA CEO 203456 0 0 0 0 0 0 0 0 0 203456 0 0 0 YAHAIRA SANTIAGO ANDALUZ EXECUTIVE VICE-PRESIDENT 102620 0 0 0 0 0 0 0 0 0 102620 0 0 0 Form 990, Part VI, Section A, Line 6 THE ORGANIZATION HAVE MEMBERS. Form 990, Part VI, Section A, Line 7a ALL MEMBERS ELECT THE GOVERNMENT BODY. Form 990, Part VI, Section A, Line 7b THE DECISION IS TAKEN BY A MAYORITY OF VOTING MEMBERS. Form 990, Part VI, Section B, Line 11b THE FORM 990 IS MAINTAINED ON A TAX FILE IN THE ORGANIZATION OFFICE. UNDER THE COMMONWEALTH OF PUERTO RICO AND LAW 255 IS NOT REQUIRED TO GIVE A COPY TO THE MEMBERS. Form 990, Part VI, Section B, Line 12c THE GOVERNMENT AND REGULATORY AGENCY "CORPORACION PARA LA SUPERVISION DE SEGUROS DE COOPERATIVAS" CARRY OUT A COMPLIANCE AUDIT. Form 990, Part VI, Section B, Line 15 DETERMINED AND PROVIDED BY GOVERNMENT BODY. Form 990, Part VI, Section C, Line 19 THE ORGANIZATION MEETS ANNUALLY, OR AS NEEDED BEFORE THE YEAR END PERIOD, AND AT THESE MEETINGS THE BOARD OF DIRECTORS AND THE MANAGEMENT TEAM DISCUSSES THE POLICIES, INCLUDING THE CONFLICT OF INTEREST POLICIES, THE FINANCIAL STATEMENTS AND ITS GOVERNING DOCUMENTS, AND MAKE THE AVAILABLE TO THE GENERAL PUBLIC ON A PER REQUEST BASIS. Form 990, Part IX, Line 24e PROVISION FOR LOAN LOSSES - $1,697,216 CONTRIBUTIONS FOR GRANTS AND COOPERATIVE EDUCATION - $53,119 REPAIRS AND MAINTANANCE - $465,239 RENTS - $22,650 PROGRAMATION - $717,513 COMMUNICATIONS - $90,808 UTILITIES - $173,749 POSTAGE - $50,179 BOARD OF DIRECTORS - $83,447 SERVICES COMMITTEE - $135,612 BANK CHARGE & CREDIT CARDS- $2,078,075 CARRIAGE - $53,863 REPRESENTATION - $12,000 ACTIVITIES - $104,359 COLLECTION EFFORTS - $21,035 SALES AND USE TAX EXPENSES (IVU) - $220,436 REPOSSESSED ASSETS COSTS - $125,778 OTHER EXPENSES - $39,822 Form 990, Part XI, Line 9 SUMMARY OF OTHER CHANGES IN NET ASSETS: BEGINNING BALANCE AT JANUARY 1, 2025 - $88,258,491 CONTRIBUTION OF SHARES NET OF WITHDRAWALS - ($23,260) TRANSFER FOR INACTIVE ACCOUNTS - $111,625 CHANGE IN UNREALIZED GAIN OR (LOSSES) - $463,597 NET ECONOMY - $5,134,344 ENDING BALANCE AT DECEMBER 31, 2025 CHANGE IN FUND BALANCE - $93,944,797 ON THE DUE DATE THE FINANCIAL INFORMATION WAS NOT COMPLETE. THE ORGANIZATION FILED TIMELY AN EXTENSION REQUEST ON 05/04/2026.