MocaCoop

What MocaCoop does

MocaCoop is a private, for-profit financial cooperative headquartered in San Juan, Puerto Rico, founded in 1952 and operating with a workforce of 11-50 employees. The firm operates as a community-rooted member-owned institution offering deposit accounts, loans, credit accounts, and online services, positioning it as a multi-product retail financial services provider for individual and small-business members in its local market. Its product set spans the standard cooperative credit-union toolkit — transaction/savings deposits, consumer and possibly small-business lending, credit accounts (credit cards or lines), and digital/online banking access — with no other product lines, partnerships, distribution channels, or technological differentiators disclosed in the available data.

The company's revenue mechanics, pricing model, and capitalization structure are not disclosed in the source material; the firmographic record explicitly flags "no revenue information available." The sole quantified capital signal is a $2,602,780 award dated 2023-04-10 from the U.S. Treasury's Community Development Financial Institutions Fund (CDFI Fund), which directly invested with itself as lead. This award is consistent with cooperative credit-union activity but represents a non-dilutive program grant rather than an indicator of scaled revenue. The company's website (mocacoop.com) returned only a verification/loader page during data collection, which limits visibility into platform architecture, technology stack, app availability, integrations, and management team composition.

With a 73-year operating history, a small employee base, no disclosed M&A, no leadership changes, no product launches, no patents, no partnership announcements, and no AI/ML signals of any kind, the observable footprint is that of a steady-state community financial cooperative rather than a high-growth or technology-driven fintech entrant. Key open items for any investor-grade workup include current asset size, deposit mix, loan portfolio composition, net interest margin, digital channel maturity, and any pending regulatory or expansion actions in Puerto Rico.

Name

MocaCoop

Website

https://mocacoop.com

Company type

Private

Founded year

1952

Headcount range

11–50 employees

Short description

MocaCoop is a San Juan, Puerto Rico-based financial cooperative, founded in 1952, that provides deposit accounts, loans, credit accounts, and online services to its member-owners in the local market.

Ownership category

akta.pro rank

Product category

Cooperative Banking

NAICS

Credit Unions (52213)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Cooperative Banks (Member-Owned Commercial/Retail) (FSABAEAF)

Keywords

• Cooperative banking services
• Retail deposit accounts
• Consumer loan products
• Credit union services
• Community development lending

Headquarters

HQ city

San Juan

HQ country

Puerto Rico

HQ region

Latin America

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Core offering

MocaCoop is a member-owned financial cooperative that offers deposit accounts, consumer loans, credit accounts, and online services to individuals in Puerto Rico. Founded in 1952 and headquartered in San Juan, it operates as a community development financial institution serving retail members.

Differentiator

Problem solved

Functional benefit

Products and services

• Deposit Accounts Deposit account products offered to cooperative members for savings and transactional banking needs.
• Loans Loan products extended to cooperative members for personal and consumer financing needs.
• Credit Accounts Credit account facilities offered to cooperative members for consumer credit needs.
• Online Services Online banking services channel provided to cooperative members through the company website.

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves1 record

Expansion highlights3 records

Direct peers

• Banco Cooperativo de Puerto Rico: Largest cooperative bank in Puerto Rico, providing wholesale and retail banking services to affiliated cooperatives. Directly comparable as a member-owned banking institution operating in the same Puerto Rico market with similar cooperative economics.
• Cooperativa de Ahorro y Crédito Vegabajeña: Puerto Rico-based credit union serving the Vega Baja region with standard deposit, loan, and member services. Comparable local cooperative-banking model operating in the same Puerto Rico market.
• Caguas Central Federal Credit Union: Puerto Rico federal credit union serving the Caguas region with deposit, loan, and digital banking services. Comparable cooperative-banking model and similar scale operating in the same island market.
• Cooperativa Oriental: One of the largest credit unions in Puerto Rico, offering full deposit, lending, and digital services to members. Directly comparable cooperative-banking model serving the same island market with overlapping product set.
• Self-Help Federal Credit Union: CDFI-certified community credit union focused on underserved borrowers and community development lending. Comparable mission-driven, member-owned cooperative profile with similar community-development orientation.
• Cooperativa de Ahorro y Crédito de los Maestros de Puerto Rico: Puerto Rico teachers' cooperative credit union offering deposits, loans, and online services to a defined membership group. Comparable member-owned cooperative model with similar deposit and credit product portfolio.

Broad incumbents

• Pentagon Federal Credit Union: One of the largest US credit unions, offering deposits, mortgages, consumer loans, and digital banking to a broad membership. Comparable cooperative model at materially larger scale with overlapping product set.
• Banco Popular de Puerto Rico: Largest bank in Puerto Rico, providing a broad suite of commercial, retail, and digital banking services. A much larger incumbent competing across the same deposit and lending segments in the same geography.
• FirstBank Puerto Rico: Major Puerto Rico commercial bank offering deposit, mortgage, consumer, and business banking across the island. Comparable incumbent competitor in the same geography with overlapping retail and small-business products.

Others

• Opportunity Finance Network: National CDFI intermediary and capital provider that channels federal and private capital to certified community development financial institutions. Thematically adjacent ecosystem enabler and capital partner for CDFIs like MocaCoop.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/mocacoop

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about MocaCoop