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 |
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|
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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.
