COOPAC CENTROCOOP

What COOPAC CENTROCOOP does

COOPAC CENTROCOOP (legal name: Cooperativa de Ahorro y Crédito del Centro) is a Peruvian savings and credit cooperative founded in 1962-1963, headquartered at Jr. Junín 288 in Lima, Peru. It operates as a member-owned financial institution under the supervision of the Superintendencia de Banca, Seguros y AFP (SBS), and is additionally affiliated with SUNAT, SUNAFIL, and INDECOPI. The cooperative serves more than 12,000 active members (socios) through a physical network of 15 agency branches spanning Peru — from Lima metropolitan districts (Los Olivos, Ate) to regional centers (Huancayo, Trujillo, Cajamarca, Huaraz, Arequipa, Chimbote) and mining-belt locations (Cerro de Pasco, La Oroya, Chicrin, Casapalca, Cobriza, San Cristóbal).

The cooperative's core product portfolio comprises three credit-union staples: Préstamos (consumer and personal loans with competitive rates and agile approval), Ahorro (multi-modality savings deposits with attractive interest yields), and Giros (money transfer services). These are complemented by two add-on service lines — Capacitaciones y Charlas (financial education workshops) and Previsión Social (personalized life-stage advisory). The institution operates without a proprietary technology platform, relying instead on physical branch infrastructure, a website (centrocoop.pe) with online consultation, and WhatsApp-based member servicing. All products and services are priced within SBS-regulated tariff schedules (tarifarios).

Revenue is generated primarily through net interest spread between member deposits and loan originations, supplemented by fees on savings accounts, money transfers, and ancillary financial services. The go-to-market model is community-led: acquisition is driven by corporate convenios (partnership agreements) with major Peruvian mining companies (Antamina, Cerro Verde, Shahuindo, Pacasmayo, Minera Atacocha), municipalities (Lima, Cajamarca, Huancayo), and Essalud, supplemented by seasonal promotional campaigns (e.g., Fiestas Patrias 2026 loan campaign, Father's Day 2026 membership acquisition). Marketing channels span Facebook, YouTube, WhatsApp, the institutional website, and direct employer referrals. The cooperative model means members are simultaneously depositors, borrowers, and owners of the institution, with no external equity holders, parent company, or public stock listing.

Name

COOPAC CENTROCOOP

Legal name

Cooperativa de Ahorro y Crédito del Centro - COOPAC CENTROCOOP

Website

https://coopcentrocoop.com

Company type

Private

Founded year

1962

Operating status

Operating

Headcount range

11–50 employees

Short description

COOPAC CENTROCOOP is a Peruvian member-owned savings and credit cooperative serving over 12,000 members through 15 branches nationwide, offering loans, savings, and money transfers anchored by corporate partnerships with mining companies and municipalities.

Ownership category

akta.pro rank

Product category

Cooperative Banking (Savings and Credit)

NAICS

Credit Unions (522130)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

akta.pro secondary industry

Cooperative Banks (Member-Owned Commercial/Retail) (FSABAEAF)

Keywords

• Savings and loans
• Credit union services
• Cooperative banking
• Money transfer services
• Personal loan products

Headquarters

HQ city

Lima

HQ country

Peru

HQ region

Latin America

Offices15 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Savings Deposits: Members deposit savings and earn competitive interest rates. Core funding mechanism for the cooperative's lending operations.
2. Loan Interest Income: Interest earned on personal loans and other credit products extended to members. Primary revenue stream for the cooperative.
3. Financial Services Fees: Fees from various financial services including savings accounts, money transfers, and other banking services.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

COOPAC CENTROCOOP is a Peruvian savings and credit cooperative delivering financial services to over 12,000 individual members (socios) through 15 branch agencies nationwide. Its core offerings are personal loans (Préstamos), savings accounts (Ahorro) across multiple modalities, and money transfer services (Giros), supported by financial education workshops and personalized life-stage advisory. The cooperative is supervised by SBS and operates under a member-owned, community-based model with competitive interest rates and agile credit approval.

Product overview

COOPAC CENTROCOOP is a savings and credit cooperative operating as a single, unified financial services institution. Its core product portfolio consists of credit (Préstamos), savings (Ahorro), and money transfers (Giros), supported by add-on services including financial education workshops (Capacitaciones y Charlas) and personalized social advisory (Previsión Social). All products are delivered through a network of 15 physical agency branches across Peru, with a stated focus on competitive rates, agile approvals, and close member advisory.

Differentiator

Problem solved

Functional benefit

Products and services

• Préstamos (Loans) Personal credit products offered to cooperative members with competitive rates, flexible terms and timelines, and agile approval processes to support members' financial goals.
• Ahorro (Savings) Multiple savings modalities with attractive and competitive interest rates and security, designed to help members grow their deposits over time.
• Giros (Money Transfers) Money transfer services providing diverse modalities for members to send and receive funds securely.

Named customers5 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Nine partnerships are on record, tiered core.

• AntaminacoreGTM or Marketing PartnerCorporate agreement (convenio) providing financial services to Antamina employees. Mining company partnership serving workers with savings accounts, loans, and other cooperative services.
• Cerro VerdecoreGTM or Marketing PartnerCorporate agreement (convenio) providing financial services to Cerro Verde employees. Mining company partnership enabling employee access to cooperative services.
• EssaludcoreGTM or Marketing PartnerCorporate agreement (convenio) with Essalud, Peru's social health insurance system, providing financial services to affiliated workers.
• Minera AtacochacoreGTM or Marketing PartnerCorporate agreement (convenio) providing financial services to Minera Atacocha employees. Mining company partnership for employee member acquisition.
• Municipality of CajamarcacoreGTM or Marketing PartnerCorporate agreement (convenio) with the Municipality of Cajamarca (MUNI CAJAMARCA) providing financial services to municipal employees.
• Municipality of HuancayocoreGTM or Marketing PartnerCorporate agreement (convenio) with the Municipality of Huancayo (MUNI HUANCAYO) providing financial services to municipal employees.
• Municipality of LimacoreGTM or Marketing PartnerCorporate agreement (convenio) with the Municipality of Lima (MUNI LIMA) providing financial services to municipal employees.
• PacasmayocoreGTM or Marketing PartnerCorporate agreement (convenio) with Pacasmayo, providing financial services to mining company employees through the cooperative.
• ShahuindocoreGTM or Marketing PartnerCorporate agreement (convenio) with Shahuindo mining company, providing financial services to employees.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Compartamos Financiera: Peruvian consumer and small-business lender (part of Grupo Gentera) targeting similar underbanked member segments. Comparable customer base and consumer credit products, though broader and more digitized.
• Banco de Crédito del Perú (BCP): Peru's largest commercial bank and dominant retail banking incumbent. Overlaps with CentroCoop on deposits and personal loans but operates at national scale with full digital infrastructure, providing the primary competitive benchmark.
• Mibanco: Peru's leading microfinance bank, part of the BCP group, focused on small business and consumer credit to underserved segments. Comparable in target customer and lending orientation, but operates at substantially greater scale and capitalization.
• Interbank: Major Peruvian commercial bank with strong retail and consumer credit franchise. Competitor for the same member deposit and personal loan wallet, particularly in Lima.

Regional players

• Caja Municipal de Ahorro y Crédito de Huancayo: Municipal savings institution headquartered in Huancayo with strong regional concentration. Direct competitor in CentroCoop's central-highlands branch footprint.
• Caja Sullana: Regional Peruvian municipal savings institution operating with a comparable deposit/loan product mix and branch-led distribution. Comparable as a regional depository competitor.

Direct peers

• Caja Municipal de Ahorro y Crédito de Trujillo: Peruvian municipal savings and credit institution offering deposits, loans, and money transfers to members across multiple regions. Most directly comparable to CentroCoop given similar cooperative-style depository model and overlap in regional Peruvian markets such as Trujillo.
• Caja Cusco: Regional Peruvian savings institution serving members with deposit, loan, and money transfer products. Comparable to CentroCoop as a regional depository competitor with a multi-branch branch-led distribution model.
• Caja Municipal de Ahorro y Crédito de Arequipa: Municipal savings institution headquartered in Arequipa that competes in the same central-highlands branch network as CentroCoop. Directly comparable in product set (ahorros, préstamos, giros) and target member base.
• Caja Metropolitana de Lima: Lima-based municipal savings institution offering personal loans, savings, and related services. Direct competitor in the Lima metropolitan market where CentroCoop has multiple branches.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@cooperativacentrocoop3930
• Facebookfacebook.com/cooperativacentrocoop
• LinkedInlinkedin.com/company/coopac-centroccoop

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about COOPAC CENTROCOOP