UNIVERSAL COOP FEDERAL CREDIT UNION is no longer an active credit union according to the NCUA. If available, you can view their website at https://www.universalcoopfcu.com for more information.
Sep, 30, 2025 — UNIVERSAL COOP FEDERAL CREDIT UNION is a federal credit union headquartered in Rio Grande, PR with 2 branch locations and about $30.39 million in total assets. Opened 69 years ago in 1957, UNIVERSAL COOP FEDERAL CREDIT UNION has about 3,518 members and employs 12 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | UNIVERSAL COOP FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | PO Box 937 Rio Grande, PR 00745 |
| Phone: | (787) 887-2195 |
| Fax: | (787) 887-5622 |
| Website: | https://www.universalcoopfcu.com |
| Branches: | 2 branch locations |
| Members: | 3,518 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 11477 |
|---|---|
| Membership Type: | Multiple common bond - Primarily other manufacturing |
| Corporate Credit Union: | No |
| Year Opened: | 1957 |
| Last Audited: | Mar 01, 2021 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $30,386,171 |
| CEO/Manager: | Luis J Guzman |
| Chairperson: | Juan A Perez-Mercado |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 5,491,899 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 4,160,527 |
| Unsecured Loans | 4,541,169 |
| Other Loans | 993,772 |
| TOTAL LOANS | 9,695,468 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -214,501 |
| Land And Building | 98,614 |
| Other Fixed Assets | 139,264 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 268,146 |
| All Other Assets | 21,365 |
| TOTAL ASSETS | 30,386,171 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 104,992 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 845,771 |
| Regular shares | 24,983,922 |
| All Other Shares & Deposits | 1,653,384 |
| TOTAL SHARES & DEPOSITS | 27,483,077 |
| TOTAL LIABILITIES | 27,588,069 |
| Regular Reserve | 0 |
| Other Reserves | 1,576,066 |
| Undivided Earnings | 1,222,036 |
| TOTAL EQUITY | 2,798,102 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 30,386,171 |
| INCOME & EXPENSE | |
| Loan Income | 509,186 |
| Investment Income | 153,802 |
| Other Income | 123,143 |
| Total Employee Compensation & Benefits | 268,206 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 440,469 |
| Non-operating Income & (Expense) | 11,942 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | -5,105 |
| Cost of Funds | 93,785 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 718 |
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