CCCA

Cooperative Bankingccca.fin.ec

Cooperativa CCCA is an Ecuadorian financial cooperative in active liquidation, historically offering retail savings accounts and online banking to members in Ambato. It now operates only its Matriz Ambato branch while winding down assets and processing creditor claims.

Company typePrivate
Founded1984
HeadquartersAmbato, Ecuador
Headcount101–250
GTM typeB2C
OfferingServices

What CCCA does

Cooperativa CCCA is an Ecuadorian financial cooperative founded in 1984 and headquartered in the La Floresta sector of Ambato, Tungurahua. Its core business historically centered on retail savings and deposit services for cooperative members, anchored by a savings account product ('Cuenta de ahorros') and a basic online banking portal ('CCCA ONLINE', hosted at ccca-online.ccca.fin.ec) that provides digital account access. Distribution was delivered through a physical branch network supplemented by the website and WhatsApp contact channels, with member deposits covered by Ecuador's COSEDE deposit insurance framework.

The company's product surface is narrow: in addition to the savings account and online banking platform, the cooperative operates a public asset-sale channel ('Venta Pública de Activos') listing assets for disposal to members and the public. The technology footprint is minimal — a WordPress-based marketing site, a single self-serve online banking URL, no mobile app, no public API or SDK, and no documented integrations. Headcount is stated at 1-10 employees.

Cooperativa CCCA is currently in an active liquidation process, as evidenced by the 'Coop CCCALIQ' footer, repeated 'Agencias en liquidación' notices on the website, consolidation of in-person services to the Matriz Ambato branch, and publication of a creditor-registration form ('Formulario de registro acreencias'). Operations are confined to a single agency in Ambato with posted weekday business hours, and the website continues to publish agency-attention communiqués and links to the COSEDE beneficiary-lookup tool. Revenue model, pricing, and financial figures are not disclosed, and the institution appears to be winding down rather than growing.

CCCA firmographics

Firmographics

Name: CCCA
Legal name: Cooperativa CCCA
Website: https://ccca.fin.ec
Company type: Private
Founded year: 1984
Operating status: Operating
Headcount range: 101–250 employees
Short description: Cooperativa CCCA is an Ecuadorian financial cooperative in active liquidation, historically offering retail savings accounts and online banking to members in Ambato. It now operates only its Matriz Ambato branch while winding down assets and processing creditor claims.
Ownership category
akta.pro rank

CCCA industry classification

Industry

Product category: Cooperative Banking
NAICS: Credit Unions (522130), Depository Credit Intermediation (5221)
SIC: Functions Related To Depository Banking, Nec (6099)
akta.pro primary industry: Cooperative Banks (Member-Owned Commercial/Retail) (FSABAEAF)
akta.pro secondary industry: Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

Keywords

Cooperative banking
Savings accounts
Deposit services
Online banking
Financial cooperative

Where CCCA is headquartered

Location

Headquarters

HQ city: Ambato
HQ country: Ecuador
HQ region: Latin America

Offices1 record

Markets served

CCCA business model

Business model

GTM type: B2C
Offering type: Services
Cost components: Personnel, Operations, Infrastructure, Technology or R&D

Distribution channels2 records

Marketing channels1 record

CCCA product offering

Product offering

Core offering

Cooperativa CCCA is a cooperative financial institution headquartered in Ambato, Ecuador, offering members savings accounts, deposit services, and digital banking access through its CCCA ONLINE platform and a single physical branch (Matriz Ambato). Deposits are covered by Ecuador's COSEDE deposit insurance scheme. The cooperative is currently operating under a liquidation process, as indicated by the 'Coop CCCALIQ' footer references, while continuing to serve members at the Matriz location.

Product overview

Cooperativa CCCA is a financial cooperative offering a portfolio of products centered around CCCA ONLINE (its digital banking platform), savings accounts (Cuenta de ahorros), and public asset sales (Venta Pública de Activos). The cooperative operates through its Matriz Ambato branch and provides financial services to its members in Ecuador, with COSEDE deposit insurance coverage.

Differentiator

Problem solved

Functional benefit

Products and services

CCCA ONLINE Online banking platform offered to Cooperative CCCA members, providing digital access to account management and financial services via cca-online.ccca.fin.ec.
Cuenta de ahorros Savings account product offered by Cooperativa CCCA for cooperative members to deposit and grow their funds, covered by COSEDE deposit insurance.
Venta Pública de Activos Public asset sale offering through which Cooperativa CCCA makes assets available for sale to members and the public, tied to the cooperative's ongoing liquidation process.

Companies that use CCCA

Customer profile

Segments1 record

Ideal customer profiles1 record

CCCA technology and API

Technology

Technology focussed No

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

CCCA partnerships and signals

Strategic signal

Recent moves4 records

CCCA competitors and assessment

Company assessment

Broad incumbents

Banco Solidario: Ecuadorian institution with roots in cooperative/microfinance segments that evolved into a regulated bank, offering savings and credit services. Comparable to CCCA in targeting member/retail depositors in Ecuador, though at materially larger scale.
Banco Pichincha: Ecuador's largest private bank, offering deposit accounts and retail financial services across the country. Comparable to CCCA as a competing depository institution serving Ecuadorian retail customers, albeit at far greater scale and product breadth.
Banco del Pacífico: Major Ecuadorian commercial bank providing savings accounts and retail banking services nationwide. Comparable to CCCA as a competing deposit-taking institution serving Ecuadorian consumers, with broader scale and product range.

Direct peers

Cooperativa JEP: One of Ecuador's largest cooperatives offering savings, credit, and member financial services under the cooperative model. Directly comparable to CCCA as a fellow Ecuadorian member-owned financial cooperative serving retail members.
Cooperativa 23 de Julio: Ecuadorian cooperative focused on serving a defined membership base (police community) with deposit and credit products. Comparable to CCCA in cooperative structure, Ecuadorian domicile, and member-owned depository services.

Market position

Strengths1 record

Weaknesses3 records

Competitive moat2 records

Key risks5 records

Key highlights4 records

Customer concentration

CCCA financial estimates

Financial estimate

Revenue estimate

Valuation estimate

CCCA leadership team

Management profile

Number of profiles

CCCA funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

CCCA M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CCCA

What does CCCA do?

Is CCCA a public or private company?

CCCA is a private company. It is classified as management employee owned and is currently operating.

When was CCCA founded?

CCCA was founded in 1984. It employs 101 to 250 people.

Where is CCCA based?

CCCA is headquartered in Ambato, Ecuador, in the Latin America region.

Who are CCCA's main competitors?

Broad incumbents on record are Banco Solidario, Banco Pichincha and Banco del Pacífico. Direct peers are Cooperativa JEP and Cooperativa 23 de Julio.

Does CCCA have an API?

No public API is recorded for CCCA.

What industry is CCCA in?

CCCA's product category is Cooperative Banking. Its primary akta.pro industry code is FSABAEAF, Cooperative Banks (Member-Owned Commercial/Retail), with a secondary code of FSABAEAA, Community Credit Unions (Retail/Consumer Focus). Its NAICS code is 522130 and its SIC code is 6099.