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fix(dashboard): creditos KPIs show latest month snapshot instead of sum

Infraestructura requested to merge diego-dev into main

Saldo insoluto is a balance (like bank balances), not a cumulative metric. The Creditos KD modal now displays the most recent month's values from creditos_tendencia_mensual instead of summing all months. When month filters are active, uses the latest selected month. Vs Periodo Anterior now compares against the previous month.

Co-Authored-By: Claude Opus 4.6 (1M context) noreply@anthropic.com

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