Financial Highlights

As of October 2017

Total Assets   1.654 B
Loan Receivable (Net)   743.32 M
Portfolio at Risk (PAR 1)   8.06%
Portfolio at Risk (PAR 30)   4.99%
Deposits Liabilities   1.07B 
Other Liablities   48.00 M 
Member's Equity    384.30 M
Gen. Reserve Fund   74.47 M 
Net Surplus   63.59 M
Gross Revenue   123.87 M
Coop. Pesos Rating    89.40% 
Membership
Regular   27,645
Associate   1,433
Youthbee   2,525
Smarteens   647
Total Membership   32,250

PMES

ONE ON ONE PMES

  • Monday-Friday
  • 8:00AM-5:30PM

 

SCHEDULED PMES

  • Saturday
  • 8:00AM-11:30AM

Holidays

Jan 23 (MON)
    - Inauguration of the
      First Phil. Republic
      (Bulacan Only)

Jan 28 (SAT)
    - Chinese New Year

Feb 03 (FRI)
    - Ople Day
      (Bulacan Only)

Feb 25 (SAT)
    - Edsa Revolution
      31st Anniversary

Apr 02 (SUN)
    - Balagtas Day
      (Bulacan Only)

Apr 09 (SUN)
    - Day of Valor

Apr 13 (THU)
    - Maundy Thursday

Apr 14 (FRI)
    - Good Friday

Apr 15 (SAT)
    - Black Saturday

May 01 (MON)
    - Labor Day

Jun 12 (MON)
    - Independence Day

Aug 15 (TUE)
    - Bulacan Day
      (Bulacan Only)

Aug 21 (MON)
    - Ninoy Aquino Day

Aug 28 (MON)
    - National Heroes Day

Aug 30 (WED)
    - M. del Pilar Day
      (Bulacan Only)

Sept 10 (SUN)
    - Foundation Day of the
      City of San Jose del Monte
      (CSJDM, Bulacan Only)

Sept 15 (FRI)
    - 119th Anniversary of 
      Malolos Congress
      (Bulacan Only)

Oct 31 (TUE)
    - Additional special
      non-working day

Nov 01 (WED)
    - All Saints Day

Nov 30 (THU)
    - Bonifacio Day

Dec 25 (MON)
     - Christmas Day

Dec 30 (SAT)
     - Rizal Day

Dec 31 (SUN)
     - Last Day of the
       Year

December 2017
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new articles

Loan Officers Competency Course for Credit Unions

by: Mr. Rudolf Z. Gado, Assistant Marketing Officerlocc for credit unions

The Association of Asian Confederation of Credit Unions thru PFCCO-NATIONAL held a Training of Trainers on Loan Officer Competency Course (LOCC) last May 7-8, 2014 at Malolos Resort Club Royale Hotel, Brgy. Mabolo, City of Malolos, Bulacan.

The objective of this training/workshop is to empower the primary cooperative on how to assess the member/borrower by extracting his capacity on loan repayment.

Success and failure of primary cooperatives depends on the collection efficiency, but failure on collection can be avoided if proper tools for borrower’s assessments are applied during the loan processing.

Although most of the credit unions are aware on the 5 C’s of credit, the question is, are they using the tools properly? During our training it was clearly discussed by Mr. Ernan L. Palabyab, our speaker, that loan department and credit committee must be vigilant and must not be reluctant in approving loan applications.

Credit Unions must not suffer due to inefficient or poor loan assessment. A concrete report and information is very vital to assess the applications well.
Loan is not a right of a member, but indeed loan is an opportunity or privilege of the members and should not be wasted.

 

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