Financial Highlights

As of June 2018

Total Assets   1.82 B
Loan Receivable (Net)   855.88 M
Portfolio at Risk (PAR 1)   7.75%
Portfolio at Risk (PAR 30)   4.58%
Deposits Liabilities   1.19 B 
Other Liablities   26.87 M 
Member's Equity    443.08 M
Gen. Reserve Fund   87.56 M 
Net Surplus   32.99 M
Gross Revenue   79.78 M
Coop. Pesos Rating    85.00% 
Regular   30,799
Associate   1,401
Youthbee   2,794
Smarteens   717
Total Membership   35,711



  • Monday-Friday
  • 8:00AM-5:30PM



  • Saturday
  • 8:00AM-11:30AM



Feb 16 (FRI)

    - Chinese New Year

Feb 25 (SUN)
    - Edsa Revolution
      32nd Anniversary

Mar 29 (THU)
    - Maundy Thursday

Mar 30 (FRI)
    - Good Friday

Mar 31 (SAT)
    - Black Saturday

Apr 09 (MON)
    - Day of Valor

May 01 (TUES)
    - Labor Day

Jun 12 (TUES)
    - Independence Day

Aug 21 (TUES)
    - Ninoy Aquino Day

Aug 27 (MON)
    - National Heroes Day

Nov 01 (THU)
    - All Saints Day

Nov 02 (FRI)
    - Additional Special
      (non-working) holiday

Nov 30 (FRI)
    - Bonifacio Day

Dec 24 (MON)
     - Additional Special
       (non-working) holiday

Dec 25 (TUES)
     - Christmas Day

Dec 30 (SUN)
     - Rizal Day

Dec 31 (MON)
     - Last Day of the

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San Jose Koop living with ACCESS Standard

by Caroline D. Dave 

Last July 26-28, 2017, the ACCESS auditors from PFCCO and NATCCO conducted an audit to SAN JOSE KOOP for the renewal of ACCESS BRAND  for the year 2017-2018.

The auditors reviewed the self- rating analysis done by SAN JOSE KOOP ACCESS Team and also the actions already taken based on July 2016 audit results.  The audit is quite satisfactorily since we are living with ACCESS standard and continuously improve the performance of the cooperative base on the four perspective of the balance scorecard, the learning and growth perspective, the internal business perspective, the member-customer perspective and the financial perspective.

Although there are some areas that we need to improve like the process flow chart, management structure diagnosis and improvements, performance management system tie up with compensation and rewards and succession program.  We need also to increase the Institutional capital to 10% and the Loan Portfolio of at least 50% since the standard is 70-80.  We are encouraging the members to avail our loan products in order to meet the standard but overall performance we got the SILVER CATEGORY award. 

The audit was performed well and documented in a report.  Proof has been furnished that the requirements according to ACCESS standard are fulfilled.  This will be forwarded to ACCU to be awarded on Sept 2017 during the ACCU forum at Colombo, Sri Lanka.

Thank you very much to ACCESS auditors.. Ms. Daisybelle Cabal, Ms. Maribel Gulay, Ms. Evangeline Quiazon and Ms Rosario Canadido for the effort and of course with the cooperation of the officers, committees, management and staff and the members as well for making this a safe and sound cooperative.  Congratulation to SAN JOSE KOOP’s distinguished achievements.

Here’s the result for information:

2017 ACCESS result  



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