FinWiki
日EN中

Tokyo Metropolitan Government Employees Credit Cooperative (Tokyo Metropolitan Government Employees Credit Cooperative)

Confidence: Likely Updated 2026-05-25 Review by 2026-11-25 Sources 8 Machine-translated Original (JA)
#JapanFG#shinkumi#credit-cooperative#cooperative-banking#kanto#tokyo
On this page

Wiki route

This entry sits under cooperative-banks INDEX as the largest local-government-employee (自治体職員) shinkumi in Japan, complementing peer occupation-based (職域) shinkumi like Keishicho Shinkumi (police) and Tokyo Shobo Shinkumi (fire dept) within the 143-cooperative population catalogued in Japan credit cooperative registry.

1. Corporation overview

ItemContent
Formal nameTokyo Metropolitan Government Employees Credit Cooperative
Common nameTo-Shokuin Shinkumi / Tokyo-to Shokuin Shinkumi
Corporate number8011105001107 ^[extracted FSA registry]
FSA registry No.50 (Kanto Local Finance Bureau)
Legal formcredit cooperative (compliant with the Act on Cooperatives of Small and Medium-sized Enterprises, etc.)
Head-office locationinside the Tokyo Metropolitan Government building, Nishi-Shinjuku 2-8-1 , Shinjuku-ku, Tokyo (postal code 163-8001) ^[extracted FSA registry]
Affiliation[[cooperative-banks/zenshin-kumi
Supervisory authorityFinancial Services Agency / Kanto Local Finance Bureau
Deposit insurance[[financial-regulators/dic
Home marketTokyo Metropolitan Government employees (Governor’s-bureau / public-enterprise employees + OB + family)
Shinkumi typeoccupation-based credit cooperative (limited to Tokyo Metropolitan Government employees)

Membership eligibility

Because it is an occupation-based shinkumi, membership eligibility is strictly limited to Tokyo Metropolitan Government employees:

  1. Basic requirement: employees (regular staff) of the Tokyo Metropolitan Government’s Governor’s bureau / public enterprises (transportation / waterworks / sewerage / hospitals, etc.)
  2. Retirees: OB / OG who have retired from the Tokyo Metropolitan Government (continued membership within a certain period is common)
  3. Spouses / relatives: members’ spouses / family in the same household (per the articles of incorporation)
  4. Non-member use: strictly restricted

Position within Zenshinkumiren

Main operations

OperationContent
Mortgagehousing-acquisition funds for member households (main operation)
Education loaneducation funds for members’ children
Car loanautomobile-purchase funds for members
Card loanfree funds for members
Ceremonial-occasion loancelebration / condolence expenses of member households
Time / liquid depositsdeposits for member households
Retirement-allowance managementasset-management consultation for members reaching retirement age

5. KPI

IndicatorValueSource
Total assets899 億 4,898 万円Wikipedia (end of 2022-03 )
Deposit balance730 億 7,051 万円Wikipedia (end of 2022-03 )
Loans410 億 3,246 万円 (mortgage-centered)Wikipedia (end of 2022-03 )
Net assets93 億 7,937 万円Wikipedia (end of 2022-03 )
Capital contribution1 億 6,254 万円Wikipedia (end of 2022-03 )
Capital adequacy ratio22.67%FSA Kanto Local Finance Bureau management indicators
Non-performing-loan ratio0.77%FSA Kanto Local Finance Bureau management indicators
Number of stores / staff1 店 (head office only) / 33 peopleWikipedia (end of 2022-03 )

Note: Figures are from Wikipedia (end of 2022-03 : deposits 730 億円 / loans 410 億円 / total assets 899 億円) and the FSA Kanto Local Finance Bureau’s SME-finance-related management indicators. It is among the largest as an occupation-based shinkumi, but the actual scale is deposits of approximately 730 億円 / total assets of approximately 900 億円 (in the several-tens-of-billions-of-yen range).

6. Supervision / regulation

  • Competent authority: Financial Services Agency / Kanto Local Finance Bureau
  • Legal basis: Act on Cooperatives of Small and Medium-sized Enterprises, etc. + Act on Financial Businesses by Cooperatives (Kyokin Act)
  • Deposit insurance: Deposit Insurance Corporation of Japan (DIC) general-financial-institution frame
  • Recent policy points:
    • DX response (smartphone app / electronic contracts / fully-web loans)
    • functional coordination with the mutual-aid association
    • OB / OG member management (aging response)

Sources

[!info] Verification status confidence: likely. The FSA-registry-derived corporate number / registry No. / head-office location (inside the Tokyo Metropolitan Government building) are (public information). KPIs such as total assets / deposits are confirmed by Wikipedia (end of 2022-03 ) + FSA Kanto Local Finance Bureau management indicators (deposits 730 億円 / loans 410 億円 / total assets 899 億円 / capital adequacy ratio 22.67%). The initial “several-hundred-billion-yen scale” approximate figure was corrected to the actual scale (several-tens-of-billions-of-yen range). Added in the Wave 13 expansion as the largest anchor among local-government-employee-affiliated shinkumi. The specific division of roles with the local-employee mutual-aid association is not asserted in the body and requires additional verification.