Savings and credit cooperatives · segment 4 · quarterly reporting
Padre Vicente Ponce Rubio
Balance sheet and official indicators reported to the Superintendencia de Economía Popular y Solidaria, as of March 31, 2026. The figures are the regulator's bulletin's: this profile orders them, it does not produce them.
- RUC
- 0491508973001
- Registered address
- Tulcan, Carchi
- Founded
- 2008 · 18 years
- Assets
- $3.2 M
- Public deposits
- $2.6 M
- Loan book
- $2 M
- Period result
- -$9.6 k
What its balance sheet is made of
As of March 31, 2026
Where the money is placed
- Loan book $2 M 64.3%
- Investments $106 k 3.3%
- Available funds $812 k 25.5%
- Rest of the assets $220 k 6.9%
Where it comes from
- Own equity $493 k 15.4%
- Other liabilities $2.7 M 84.6%
The two bars answer the two questions of any balance sheet. The first, where the money is placed: credit lent out, investments in paper and the cash available to respond immediately. The second, where it comes from: what the public deposits at sight or at term, what the institution owes other institutions and what is its own capital.
The proportion between sight and term says a lot about the funding: term deposits are more stable but cost interest; sight deposits are nearly free but can leave tomorrow. And on the asset side, the more the loan book weighs against the investments, the deeper the balance sheet sits in the business of lending.
So far this year it carries income of $104 k against expenses of $114 k: that is where the headline result of -$9.6 k comes from.
The balance sheet, in detail
Reported to the Superintendencia de Economía Popular y Solidaria
| Total assets | $3.2 M |
|---|---|
| Total liabilities | $2.7 M |
| Equity | $493 k |
| Obligations with the public | $2.6 M |
| Loan book | $2 M |
| Period income | $104 k |
| Period expenses | $114 k |
| Period result | -$9.6 k |
This segment's quarterly bulletin publishes each institution's balance sheet but not the indicators sheet, so here the main accounts are shown as reported by the supervisor.
So the balance sheet is not left mute, below are simple ratios this site derives from those same accounts. They are percentages between figures the institution already reported, flagged as our own computation: they are not the official indicators.
Ratios derived from its balance sheet
- Debt over assets 84.8% How much of everything it holds is financed with debt. Liabilities ÷ assets
- Loans over assets 64.3% How much of the assets is lent out to the members as credit. Loan book ÷ assets
- Deposits over assets 80.8% How much of what it manages is funded with its members’ deposits. Obligations with the public ÷ assets
- Equity over assets 15.5% How much of the assets is the cooperative’s own capital, the cushion that answers before the deposits do. Equity ÷ assets
- Operating cost over margin 120.6% How much of the margin the financial business leaves gets consumed in salaries, offices and operations. Near 100% means operations eat the margin. Operating expenses ÷ financial margin, same formula as the monthly bulletin
Computed by this site from the balance sheet as of March 31, 2026, not by the Superintendencia de Economía Popular y Solidaria. The operating-cost one uses the same formula as the monthly bulletin of the other segments, verified by reproducing the official indicator of the institutions that do report it. We deliberately avoid the ratios that require detail this bulletin does not carry, such as delinquency or liquidity: approximating them would produce figures with an official name and different content.
The full balance sheet (assets $3.2 M, liabilities $2.7 M, equity $493 k) satisfies the bulletin's accounting identity: the period result, -$9.6 k, is exactly assets minus liabilities minus equity.
See the whole financial system, banks and cooperatives side by side
Tax status (SRI)
updated September 4, 2026- Phantom taxpayer: No
- Nonexistent transactions: No
- Tax regime
- General regime The set of rules under which it files its taxes
- Required to keep accounting books
- Yes
- Withholding agent
- Yes When paying third parties, it withholds taxes and remits them to the SRI
- Special taxpayer
- No Designated by the SRI for its size, with additional filing obligations
- Start of activities
- November 28, 2008
Establishments · 2 registered, 2 open
- HEAD OFFICE Carchi / Tulcan / Gonzalez Suarez / Bolivar 1586 y Ayacucho Open
- Carchi / Tulcan / Maldonado / Quito S/N y 6 de Abril Open
Tax status according to the public records of the SRI (Servicio de Rentas Internas, the national tax authority). The risk designations are the SRI’s, not a rating by this site: phantom taxpayer means the SRI considers the company to have no real activity at its declared address, and nonexistent transactions means it invoiced operations the SRI determined never took place.
Where it operates
It has 2 open establishments in Carchi.
Bolívar · 0 companiesEspejo · 0 companiesMira · 0 companiesMontúfar · 0 companiesSan Pedro de Huaca · 0 companiesTulcán · 2 companies Point at or tap a canton to see its figure
Cantons of the province. Each canton links to its listing. Boundaries: geoBoundaries (CC BY 4.0).
Cantons with a presence
- Tulcan head office 2 locations
Establishments declared to the SRI (Servicio de Rentas Internas, the national tax authority), updated 2026-09-04. The location is the province and canton on record, not each site’s exact address.
How to read this profile
Source: the financial bulletin of the Superintendencia de Economía Popular y Solidaria, as of March 31, 2026. Assets are account 1 of the balance sheet; deposits, obligations with the public (account 21); loans, account 14 (net of provisions; the segment breakdown uses gross 14xx accounts). Indicators are the ones published by the supervisor itself, shown as is; the one comparing equity against immobilized assets is omitted when those assets turn negative and the quotient loses meaning. Balances change every month: this profile updates with each new bulletin.
The ratios derived from the balance sheet are computed by this site, not the supervisor: they are quotients between accounts the institution itself reported, at the same cutoff. The operating-cost one replicates the monthly bulletin's formula (operating expenses, account 45, over the net financial margin) and was checked by reproducing the official indicator of the institutions that do publish it. Delinquency and liquidity are deliberately not derived: they require breakdowns the quarterly bulletin does not carry.
The registered address and the founding year come from the SEPS's public registry of financial sector organizations. The tax debt, when it appears, comes from the SRI's enforceable-debt ranking, matched by RUC.
The RUC is published by the SEPS and matches the SRI's public RUC registry, which is also where the tax status and the establishments come from: they are the institution's fiscal record, distinct from its supervisor's bulletin, which is why they may not say the same. The registry does not publish the special regime, the reason for a suspension or the phantom-taxpayer and nonexistent-transaction designations: those fields are omitted rather than assumed.
Financial information from the public bulletins of Ecuador's superintendencies · where this data comes from