Our Strategy

Strategic Plan 2025–2028

Introduction

For 57 years, PCU has stood at the heart of our local community, dedicated to delivering trusted financial services and supporting our members’ aspirations. As of 30 September 2025, PCU remains a robust and growing institution, thanks to the continued commitment of our members, volunteers and staff. In an ever-changing world, our ability to adapt and remain relevant is paramount to our future success.

Metric

Value

Total Assets

€76.1m

Loan Book

€40.9m

Members’ Savings

€62.1m

Membership

12,183

Values, Vision & Mission Alignment

Our Values

Integrity: We will be honest and transparent in all our actions, to ensure we have the confidence of our members, staff, volunteers and wider community.

Respect: We will demonstrate respect at all times for people, the community and the environment.

Community:  Community is at the core of all our efforts and our common bond is that which joins us together as a credit union.

Our Vision

To be the premier local provider of financial wellbeing products and services while enriching our community for our members.

Our Mission

To deliver accessible financial services to our community with integrity and trust, guided by the core values of PCU. Our commitment is to put members first, empowering them to meet all their financial needs while investing in the prosperity of our community.

Strategic Goals & Objectives

Goal 1 – Collaboration

Harnessing Collaboration & Strategic Alliances

By fostering collaboration and building strategic alliances with other credit unions and partners, PCU will create stronger systems, co-develop innovative products, and better serve our members. These partnerships are key to unlocking new opportunities and ensuring that we remain agile, relevant, and competitive in a rapidly evolving financial landscape.

Goal 2 – Communication

Optimising Communication to Grow and Serve Our Membership

Effective communication is central to PCU’s success. By enhancing our internal and external communications, we will strengthen relationships, increase membership, and better address the evolving needs of our community.

Goal 3 – Operational Resilience

Strengthening Operational Resilience for a Secure and Sustainable Future

To continue providing high-quality, trusted financial services, PCU must prioritise operational resilience across all aspects of the organisation.

Projections

Income & Expenditure

Projected 2026

Projected 2027

Projected 2028

Total income

        4,130,816

        4,094,088

        4,279,189

Total expenditure

        2,623,893

        2,698,780

        2,761,932

Surplus

        1,506,923

        1,395,308

        1,517,257

Balance Sheet

 

 

 

Total Assets

       78,451,280

       81,632,564

       85,004,949

Total Liabilities

       64,439,556

       66,983,515

       69,629,233

Total Reserves

       14,011,724

       14,649,048

       15,375,717

Conclusion

The 2025–2028 Strategic Plan sets a clear direction for PCU’s continued growth and leadership. By focusing on collaboration, communication, and operational resilience, we will remain a trusted financial partner for our members and a positive force within our community. Together, we will build on our proud legacy and embrace the future with confidence.

Our Strategy