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CCT4CCT Credit Cooperative

Indicators
Currency
Years
  • Total assets
  • Gross loan portfolio
  • Total equity

Institutional Characteristics

2004 2005 2006
As of date 2004-12-31 2005-12-31 2006-12-31
Currency USD USD USD
Total assets 2,995,317 6,018,515 7,969,256
Offices — 117 140
Personnel 394 814 735

Financing Structure

2004 2005 2006
As of date 2004-12-31 2005-12-31 2006-12-31
Capital/asset ratio 7.15% 8.61% 13.85%
Debt to equity ratio 12.99 10.62 6.22
Deposits to loans — 41.05% 51.23%
Deposits to total assets — 36.09% 41.18%
Gross loan portfolio to total assets 98.23% 87.93% 80.39%

Outreach

2004 2005 2006
As of date 2004-12-31 2005-12-31 2006-12-31
Currency USD USD USD
+ Number of active borrowers 44,877 63,084 77,813
— 43,836 — 69,221
Percent of women borrowers 97.68% — 88.96%
+ Number of outstanding loans — — 77,813
— — 0 77,813
— — — —
— — 0 0
— — — —
— — 0 0
— — — —
— — 0 0
— — 0 0
— — 0 0
+ Gross loan portfolio 2,942,200 5,291,870 6,406,611
— — 5,160,253 6,149,886
— — 131,617 256,725
— — 53,897 112,437
— — — —
— — 77,720 144,288
— — — —
— — 0 0
— — 0 0
— — 0 0
Average loan balance per borrower 66 84 82
Average loan balance borrower per borrower / GNI per capita 5.56% 6.61% 5.92%
Average outstanding balance — — 82
Average outstanding balance / GNI per capita — — 5.92%
Number of depositors 0 98,622 123,089
Number of deposit accounts — 0 123,089
+ Deposits — 2,172,150 3,281,951
— — 2,172,150 3,281,951
— 0 0 0
— — 0 0
— — 0 0
— — 2,172,150 3,281,951
Average deposit balance per depositor — 22 27
Average deposit balance per depositor / GNI per capita — 2.00% 2.00%
Average deposit account balance — — 27
Average deposit account balance / GNI per capita — — 0

Overall Financial Performance

2004 2005 2006
As of date 2004-12-31 2005-12-31 2006-12-31
USD USD USD
Return on assets — 3.89% 3.42%
Return on equity — 47.91% 29.46%
Operational self sufficiency 122.64% 106.77% 106.27%

Revenues

2004 2005 2006
As of date 2004-12-31 2005-12-31 2006-12-31
USD USD USD
Financial revenue/ assets — 61.40% 57.87%
Profit margin 18.46% 6.34% 5.90%
Yield on gross portfolio (nominal) — 67.19% 69.08%
Yield on gross portfolio (real) — 55.34% 59.15%

Expenses

2004 2005 2006
As of date 2004-12-31 2005-12-31 2006-12-31
USD USD USD
Total expense/ assets — 57.51% 54.45%
Financial expense/ assets — 2.77% 3.65%
Provision for loan impairment/ assets — 7.79% 5.84%
Operating expense/ assets — 46.95% 44.96%
Personnel expense/ assets — 21.59% 25.80%
Administrative expense/ assets — 25.35% 19.16%

Efficiency

2004 2005 2006
As of date 2004-12-31 2005-12-31 2006-12-31
USD USD USD
Operating expense/ loan portfolio — 51.39% 53.76%
Personnel expense/ loan portfolio — 23.64% 30.85%
Average salary/ GNI per capita — 1.27 1.68
Cost per borrower — 39 45
Cost per loan — — —

Productivity

2004 2005 2006
As of date 2004-12-31 2005-12-31 2006-12-31
Borrowers per staff member 114 77 106
Loans per staff member — — 106
Borrowers per loan officer — 129 178
Loans per loan officer — — 178
Depositors per staff member 0 121 167
Deposit accounts per staff member — 0 167
Personnel allocation ratio — 59.95% 59.32%

Risk and Liquidity

2004 2005 2006
As of date 2004-12-31 2005-12-31 2006-12-31
USD USD USD
Portfolio at risk > 30 days — 2.49% 4.01%
Portfolio at risk > 90 days — 1.47% 2.25%
Write-off ratio — 7.00% 5.79%
Loan loss rate — 7.00% 5.79%
Risk coverage — 298.39% 193.98%
Non-earning liquid assets as a % of total assets — 12.08% 20.28%