About Us
Learn about MARGEM CREDIT COOPERATIVE — our story, our people, and our commitment to member-owned financial service.
Who we are
MARGEM CREDIT COOPERATIVE is a member-owned credit cooperative dedicated to the financial empowerment of our members and the communities we serve. Founded on the cooperative values of self-help, self-responsibility, democracy, equality, equity, and solidarity, we provide accessible savings, fair credit, and shared prosperity to everyone who joins us.
Our history
Since our founding, MARGEM CREDIT COOPERATIVE has grown from a small group of savers into a trusted financial partner for hundreds of members. Through every season, we have stayed true to our mission: to help members build better lives through cooperative financial service.
Juan Dela Cruz
Chairperson
A founding member of Margem Credit Cooperative with over 20 years of experience in community development and financial management.
Maria Santos
Vice Chairperson
A dedicated community leader and advocate for financial inclusion, serving on the board since 2010.
Roberto Garcia
Secretary
Brings extensive experience in cooperative governance and record-keeping to the board.
Ana Lim
Treasurer
A certified public accountant with 15 years of experience in financial management and auditing.
Carlos Reyes
Board Member
A long-time member and active volunteer in cooperative activities and community outreach programs.
Elena Torres
Board Member
An educator and financial literacy advocate who joined the board in 2018.