Fukuoka Prefecture Credit Cooperative
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This entry sits undercooperative-banks INDEXas the Kyushu prefecture-wide shinkumi anchor, complementingIwaki Shinkumi(Tohoku city-level) andSapporo Chuo Shinkumi(Hokkaido city-level) for regional shinkumi coverage within the143-cooperative population cataloged inJapan credit cooperative registry.
TL;DR
Fukuoka Prefectural Credit Union is a prefecture-based regional credit union with its main office located in Akasaka, Chuo-ku, Fukuoka City, Fukuoka Prefecture. FSA registry No.128 (Fukuoka Finance Branch Administration), Corporate Number4290005002505. Fukuoka prefecture3 As the core of the credit unions (Fukuoka Prefecture Doctors Credit Union, Fukuoka Prefecture Credit Union, Fukuoka Prefectural Office Credit Union), we are responsible for SME financing, housing loans, and regional finance within the prefecture.National Federation of Credit Cooperatives (Zenshinkumiren)member,Deposit Insurance Corporation of Japan (DIC)subject. Kyushu’s largest regional bankFukuoka FG (FFG)・Nishi Nippon Fhd)]] is a powerful regional bank.2 行Under the system, regional financial institutions maintain their unique niche as prefectural credit unions.
1.Corporate overview
| Item | Contents |
|---|---|
| Official name | Fukuoka Prefecture Credit Union |
| Common name | Fukuoka Prefectural Credit Union / Prefectural Credit Union |
| Corporate number | 4290005002505^[extracted FSA registry] |
| FSA registry No. | 128 (Fukuoka Finance Branch) |
| Legal form | Credit cooperative society (compliant with the Small and Medium Enterprise Cooperative Association Act) |
| Head office location | Akasaka, Chuo-ku, Fukuoka City, Fukuoka Prefecture1-10-17 (post code810-0042)^[extracted FSA registry] |
| Lineage | [[cooperative-banks/zenshin-kumi |
| Supervisory Agency | Financial Services Agency/Fukuoka Finance Branch |
| Deposit insurance | [[financial-regulators/dic |
| Home Market | Entire Fukuoka Prefecture |
| Types of credit unions | Prefecture-based regional credit unions (district membership status/prefecture-wide) |
Membership qualification
As it is a prefecture-based regional credit union, the membership qualification is a two-tier structure: district (prefecturewide) + business area:
1Area requirements: Individuals and corporations who live, work, or have a business office in Fukuoka Prefecture. 2Size Requirement: Small Business Operator — Employees300 less than person or capital3 億円Below (varies by industry) 3Business area: No industry specified (cross-industry as it is regional)
Fukuoka prefecture credit union block (registry comparison)
Fukuoka Prefecture is on the FSA registry.3 Credit union (registry No.127-129):
| Credit union | Head office | Type |
|---|---|---|
| Fukuoka Prefecture Doctors Credit Union | Hakata Station Minami, Hakata-ku, Fukuoka City | Business Area (Doctors) |
| Fukuoka Prefectural Credit Union ★This page | Akasaka, Chuo-ku, Fukuoka City | Prefecture-based regional credit union |
| Fukuoka Prefectural Government Credit Union | Higashi Koen, Hakata-ku, Fukuoka City | Occupation (Fukuoka Prefectural Government Employee) |
Note: Fukuoka3 Credit unions have a non-overlapping structure with three types: Professional Area (Doctors)/Regional Area (Prefectural Area)/Occupational Area (Prefectural Employees). Kyushu7 Fukuoka prefecture is the only prefecture with this3 Aligning the types, other prefectures1-2 Credit union only.
Kyushu/Fukuoka Finance Branch Credit Union Block^[extracted FSA registry]
Fukuoka Finance Branch = Fukuoka Prefecture + Saga Prefecture + Nagasaki Prefecture (10 Credit union total):
| Prefecture | Number of credit unions |
|---|---|
| Fukuoka Prefecture | 3 (Including book page) |
| Saga Prefecture | 3 |
| Nagasaki Prefecture | 4 |
Note: Other prefectures in mainland Kyushu (Kumamoto, Oita, Miyazaki, Kagoshima) are under the jurisdiction of the Kyushu Local Finance Bureau and are counted separately. Fukuoka Finance Branch = Kitakyushu Block (Fukuoka, Saga, Nagasaki).
Position within Zenshin Union
- National Federation of Credit Cooperatives (Zenshinkumiren) Kyushu block member banks
- Fukuoka Finance Branch10 Fukuoka prefecture among credit unions3 Core regional representative of credit union
- System ATM coordination and surplus funds management are via Zenshin Union
Main business
| Business | Contents |
|---|---|
| Loans for SMEs | Working capital and equipment funds for SMEs in Fukuoka Prefecture |
| Personal deposits | Term and liquid deposits for member households |
| Housing loan | Housing acquisition funds for association members |
| Education/ceremonial occasions | Living funds for member families |
| Asset management consultation | Government bond/investment trust counter sales (via system) |
5KPI
| indicator | value (2022-03-31Current) | Source |
|---|---|---|
| Total assets | Approx.4,750.9 億円 | Wikipedia (according to Disclosure magazine) |
| Deposit balance | Approx.3,273.6 億円 | Same as above |
| Loan balance | Approx.2,520.5 億円 | Same as above |
| Capital | Approx.24.4 億円 | Same as above |
| Number of employees | 355 People | Same as above |
| Number of stores | 51 店(2018-12-17(at the time of merger) | Same as above |
Note: Fukuoka Prefecture Credit Union2018-12-17It is the largest credit union in Fukuoka Prefecture, established by the merger of Fukuoka Prefectural Chuo Shin-Kumi, Tobiume Shin-Kumi, and Fukuoka Prefecture Nanbu Shin-Kumi.In Kyushu, it has the second largest deposit amount after Oita Prefecture Shin-Kumi. Please refer to our union disclosure magazine for the number of union members. For the latest figures, please refer to Fukuoka Prefecture Credit Union Disclosure.
6.Supervision/Regulation
- Supervised by: Financial Services Agency, Fukuoka Finance Branch
- Legal basis: Small and Medium Enterprise Cooperatives Act + Act on Financial Business by Cooperatives (Cooperative Act)
- Deposit Insurance:Deposit Insurance Corporation of Japan (DIC)General financial institution limit
- Current policy issues:
- DX compatible (smartphone app/electronic contract for union members)
- AML/CFT enhancement Support costs
- Conflicting trends with continuation of population concentration in central Fukuoka vs depopulation in rural areas of the prefecture
- Positioning of Kyushu Financial Group (led by FFG and NNFH) in the regional financial restructuring framework
Related
- zenshin-kumi— National Federation of Credit Cooperatives (Central organization for the credit union industry)
- iwaki-shinkumi— Iwaki Credit Union (peer regional credit union, Tohoku version)
- sapporo-chuo-shinkumi— Sapporo Chuo Credit Union (peer regional credit union, Hokkaido version)
- fukuoka-fg— Fukuoka FG (parent company of Fukuoka Bank, largest regional bank in Kyushu)
- nnfh— Nishinippon City Bank (NNFH)
- fukuoka-shinkin— Fukuoka Shinkin Bank (peer Fukuoka Shinkin Bank, compared to business type)
- dic— Deposit Insurance Corporation
- credit-cooperative-registry-japan— Japan credit cooperative registry (143 shinkumi (whole)
- cooperative-banking-japan— Overall cooperative finance
- cooperative-banks INDEX
Sources
- Financial Services Agency credit union license list: https://www.fsa.go.jp/menkyo/menkyoj/shinkumi.xlsx (corporate number4290005002505, Registry No.128)
- Fukuoka Prefecture Credit Union Disclosure: https://kenshin-f.jp/disclosure/
- Wikipedia “Fukuoka Prefecture Credit Union” (Financial figures2022-03-31(Currently in compliance with Disclosure Magazine): https://ja.wikipedia.org/wiki/Fukuoka Prefecture Credit Union
- National Credit Union Central Association: https://www.shinyokumiai.or.jp/
- Zenshinkumiren (National Credit Cooperative Federation) Official: https://www.zenshinkumiren.jp/
- Deposit Insurance Corporation Official: https://www.dic.go.jp/
- Small and Medium Enterprises Cooperative Association Law
- Act on financial business by cooperatives (Cooperative Act)
[!info] Calibration status confidence: likely. The corporate number, registry number, and head office location derived from the FSA registry are(Public information). The KPIs for total assets, deposits, loans, number of employees, and number of stores are Wikipedia (according to Disclosure Magazine,2022-03-31Attribution has been given in (currently). Please refer to our union disclosure magazine for the number of union members only. Wave as a representative anchor of Kyushu prefecture type credit union13 Added as an expansion.