Your math is way, way off on the cooperative. Since you don't pay tax on cooperative orders it is categorically better than selling those items individually. It is 2-5 times as time efficient to complete cooperative orders than to just sell crops. That said, it can be annoying to build up the supplies for cooperative orders initially. Late game crops, imo exist entirely as a way to complete cooperative orders and cooperative orders are extremely good for money making, probably the best in the game. Cheese is easier though imo once you have it unlocked for steady funding at least.
If you had sold the crops for your order individually your actually received price per unit is around $2.94 per unit after tax. Selling to the cooperative for that order gives you a whopping $5.36 per unit - basically double. Once you complete your first cooperative order and can continue to grow crops on a rotation, you will be rich for the rest of the game.
I got lucky while double checking this and got an order for 25 radishe to further prove this point, the order was:
25 Radishe for 127.75. If you just sold 25 Radishe (ignoring that this isn't actually possible in-game since you have to sell in batches of 100) you would receive around $25 total after tax (assuming $2 per unit and tax of around 50% which is where it is in my game) or $1.00 per unit. Selling to the cooperative is around $5.11 per unit - more than 5 times as much. I'm too lazy to do the per-turn calculations but the cooperative is probably always around 2 times as efficient, at a minimum, for the number of crops sold and as such will always be the best way to make money.