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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Fundamentals of Cooperative

by Hershe Magana



When we study about cooperatives, the first thing we should know is its origin and principles. Fundamentals of Cooperative answer the questions how it all started and what is it really all about. It provides information from the basic structure up to the most important part of the cooperative.

The Fundamentals of Cooperative seminar introduced those influential persons behind the continuous success of a cooperative. Two of those persons are: Freidrich Wilhelm Raiffaisen, the Father of Credit Union Movement; and Robert Owen, the Father of Cooperative Movement.

It also discussed the basic principles of a cooperative which are the Open and Voluntary Membership, Democratic Member Control, Member’s Economic Participation, Autonomy and Independence, Education, Training and Information, Cooperation among Cooperatives, and Concern for Community. These principles illustrate the equality given to all members and the social responsibility for the sustainable development of the community.

San Jose Koop (San Jose Del Monte Credit and Savings Cooperative) is one of the most awarded cooperatives; we are honoured and glad to be part of its mission, vision, and values pertaining to the excellence in serving people.

In this seminar, I have learned that as part of the growing Cooperative, it is not only about the profit that we earned, but also about the concern for our community. We will always look at the needs and satisfaction of our community. In return, we will also gain benefits from them.

It is not just simply a work for yourself or work for others, it is more on commitment between you and your community.

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