Integradora Central

What Integradora Central does

Integradora Central is a non-profit, second-level cooperative federation headquartered in León, Guanajuato, Mexico that integrates and represents 10 Savings and Loan Cooperatives (Sociedades Cooperativas de Ahorro y Préstamo) before regulators, government institutions, and international bodies. Its affiliated sector — comprising Caja Popular Mexicana, Caja Cihualpilli de Tonalá, Caja de Ahorros UNIFAM, Caja Popular Maravatío, Caja Popular Providencia, Caja Popular San Miguel de Allende, Caja SMG, Coop Cooperativa Financiera, Fesolidaridad, and Finagam — collectively serves approximately 4.5 million members (including more than 450,000 minor depositors) across 29 Mexican states through 732+ physical branches and manages more than 149 billion pesos in total assets.

The federation's core services span regulatory representation before CNBV and CONDUSEF, cooperative education and training, scale-economy procurement coordination, legislative consultation (Consulta Legislativa), and negotiation of member-benefit agreements with partner universities. Its primary technology asset is Caja Popular Mexicana's CPM Móvil Plus digital banking platform, which serves over 1.3 million active users with balance inquiry, fund transfers, bill payment, account management, and digital credit request capabilities. The federation itself operates with a lean staff of 6 direct employees while the affiliate ecosystem generates approximately 10,000 direct jobs.

Revenue mechanics are anchored in membership fees and contributions from the 10 affiliated cooperatives, which in turn generate revenue through savings deposits, loan interest, and financial service fees from their member base. Go-to-market is community-led and relationship-driven via the cooperative branch network and word-of-mouth referrals, supplemented by event-driven engagement through the annual Foro Cooperativo, cultural programs (Orgullo y Cultura), sports events (Copa SMG), and digital self-serve acquisition through CPM Móvil Plus. End customers are primarily retail cooperative members (personas) seeking accessible savings, credit, and investment services. Pricing for federation services is not publicly disclosed; member-facing pricing operates through cooperative-level deposit and loan terms, with member benefits channeled via negotiated educational discounts (5–60% range) at partner universities.

Name

Integradora Central

Legal name

Federación Integradora Central de Cooperativas de Ahorro y Préstamo

Website

https://integradoracentral.coop

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Integradora Central is a non-profit, second-level cooperative federation in León, Mexico, integrating and representing 10 Savings and Loan Cooperatives that collectively serve 4.5 million members across 29 states with 149B+ pesos in assets.

Ownership category

akta.pro rank

Product category

Cooperative Banking Federation

NAICS

Depository Credit Intermediation (5221), Credit Unions (522130)

SIC

Services-Membership Organizations (8600), Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

Federations/Centrals & Cooperative Banking Networks (2nd-Tier Co-ops) (FSABAEAL)

akta.pro secondary industry

Community Development Credit Unions (CDCUs) (FSABAEAC)

Keywords

• Cooperative federation services
• Savings and loan cooperatives
• Regulatory representation
• Cooperative training
• Scale economy coordination

Headquarters

HQ city

León de los Aldama

HQ country

Mexico

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Federation membership and representation services: Integradora Central is a non-profit second-level cooperative federation that integrates and represents Savings and Loan Cooperatives. Its revenue derives from membership fees and contributions from its 10 affiliated cooperatives, which in turn generate revenue through savings deposits, loan interest, and financial service fees from their members. The affiliated sector collectively manages over 149 billion pesos in assets.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Federación Integradora Central is a second-level cooperative federation that integrates and represents 10 Savings and Loan Cooperatives in Mexico. It provides political representation and lobbying, cooperative training and education, scale-economy project coordination, legislative consultation, and social/community programs to its member cajas, which collectively serve approximately 4.5 million members with over 149 billion pesos in assets.

Product overview

Integradora Central is a non-profit second-level cooperative federation that integrates and represents Savings and Loan Cooperatives (Sociedades Cooperativas de Ahorro y Préstamo). The organization provides a portfolio of services including political representation and advocacy, cooperative development training, scale economy coordination projects, and educational collaboration agreements. The federation encompasses 10 affiliated cooperatives operating across Mexico: Caja Popular Mexicana (serving 3.9 million members with CPM Móvil Plus digital platform), Caja SMG, Coop Cooperativa Financiera, Caja Popular Providencia, Caja Popular San Miguel de Allende, Caja Popular Maravatío, Caja de Ahorros UNIFAM, Caja Cihualpilli de Tonalá, Fesolidaridad, and Finagam. These affiliated cooperatives collectively serve approximately 4.5 million members with over $149 billion pesos in total assets.

Differentiator

Problem solved

Functional benefit

Products and services

• Representación y Cabildeo Political representation and advocacy services provided to affiliated cooperatives before government institutions, regulators (CNBV, CONDUSEF), and national and international organizations.
• Apoyo en Talleres y Cursos de Fomento Cooperativo
• Coordinación y Apoyo para Afiliadas en Foros, Talleres y Reuniones
• Trabajos y Coordinación de Proyectos en Economías de Escala
• Convenios de Colaboración Educativa
• Consulta Legislativa

Quantifiable outcome

• Nearly 4.5 million members served across 10 affiliated cooperatives
• +3 more outcomes

Named customers10 records

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

19 partnerships are on record, tiered core and minor.

• Kenya National Police DT SaccocoreStrategic or Co-development Partner · 19 May 2025Integradora Central participated in a technical visit hosted by Kenya National Police DT Sacco — a major savings and loan cooperative from Kenya with over 74,000 members based in Nairobi — organized by CONCAMEX and the African confederation ACCOSCA, from May 19–22. The delegation visited Guanajuato and affiliated cooperatives (Caja Popular Mexicana and Coopdesarrollo) to exchange knowledge on governance, digital transformation, youth savings culture, and financial inclusion. The partnership exemplifies the 'Cooperation among Cooperatives' principle and strengthens international ties between Mexican and African cooperative movements.
• ACCOSCA (African Confederation of Savings and Credit Cooperatives)minorStrategic or Co-development PartnerACCOSCA coordinated the international exchange between Integradora Central and Kenya National Police DT Sacco, connecting Mexican and African cooperative movements under the principle of 'Cooperation among Cooperatives.'
• CONCAMEX (Confederación de Cooperativas de Ahorro y Préstamo de México)coreStrategic or Co-development PartnerCONCAMEX is the national confederation of Savings and Loan Cooperatives in Mexico. Integradora Central works closely with CONCAMEX on legislative proposals, regulatory reform advocacy, and international exchanges such as the Kenya delegation visit. CONCAMEX also organizes the Foro Cooperativo and represents the cooperative sector at national level.
• CNBV (Comisión Nacional Bancaria y de Valores)coreOthersThe National Banking and Securities Commission is the regulatory authority that authorizes and supervises affiliated Savings and Loan Cooperatives. All affiliated cajas are regulated and authorized by CNBV under the Ley para Regular las Actividades de las Sociedades Cooperativas de Ahorro y Préstamo.
• CONDUSEF (Comisión Nacional para la Protección y Defensa de los Usuarios de Servicios Financieros)coreOthersCONDUSEF is the National Commission for the Protection and Defense of Financial Services Users, which authorizes and protects consumers of affiliated cooperatives. Both Integradora Central and its affiliated cooperatives operate under CONDUSEF oversight.
• Universidad del Valle de Atemajac (UNIVA)minorOthersEducation partnership offering cooperative members and their families up to 20% discounts on preparatory and undergraduate tuition, 100% scholarships on enrollment for master's programs, 10% on doctorates, and 15% on continuing education programs. Contact: Javier García Cerda.
• UVM (Universidad del Valle de México)minorOthersEducation partnership offering 30% discounts on enrollment and installments for new and returning students at high school and undergraduate levels; 60% for executive undergraduate programs; 55% for graduate programs; and 40% for continuing education programs.
• Universidad Vizcaya ColimaminorOthersEducation partnership offering 30% discounts on monthly tuition for undergraduate and graduate programs in school and mixed modalities. Contact: L.C.S. América Anel García Salazar.
• Universidad Vizcaya ManzanillominorOthersEducation partnership for secondary, high school, undergraduate, and graduate programs with 30% monthly tuition discounts, with scholarships available for new students. Contact: Vanessa Rincón.
• Universidad Latinoamericana (ULA)minorOthersEducation partnership offering 5% additional discount on any current promotion or last list price for cooperative members and their families. Phone: (800) 953 1305.
• Universidad Franciscana de MéxicominorOthersEducation partnership offering 15% discounts on preparatory tuition, 20% on undergraduate tuition, and 20% on graduate programs (for groups of 6+ students from the same affiliated cooperative). Contact: (477) 763 40 60.
• ALIAT UniversidadesminorOthersEducation partnership with requirements for regular students with minimum 8.0 GPA, no failed subjects, and completed enrollment application. Managed by Carlos Alberto Cruz Robles.
• Universidad La Salle BajíominorOthersEducation partnership offering cooperative members discounts on various academic programs. Contact through university website.
• Universidad MondragónminorOthersEducation partnership for cooperative members and their families. Contact through university website: mondragonmexico.edu.mx.
• Gobierno Municipal de LeónminorOthersMunicipal government partnership for public works and community initiatives in León, Guanajuato.
• Gobierno Municipal de SalamancaminorOthersMunicipal government partnership for community initiatives in Salamanca, Guanajuato.
• ICIC (Instituto de la Construcción de la Infraestructura Física Educativa)minorOthersPartnership with the educational infrastructure construction institute.
• CMIC (Cámara Mexicana de la Industria de la Construcción)minorOthersPartnership with the Mexican Chamber of the Construction Industry.
• FIC (Fondo de Infraestructura para los Contribuyentes)minorOthersPartnership with the Taxpayer Infrastructure Fund for construction and public works projects.

Scale indicators6 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• FENACOAC (Federación Nacional de Cajas de Ahorro y Cooperativas): Mexican national federation of savings and credit cooperatives with representation and supervisory coordination functions analogous to Integradora Central's role among its 10 affiliate cajas.
• CONCAMEX (Confederación de Cooperativas de Ahorro y Préstamo de México): National-level confederation of Mexican Savings and Loan Cooperatives that performs regulatory representation, legislative advocacy, and international exchange coordination — the same federative functions Integradora Central performs at a regional/state level.
• Mondragón Corporación Cooperativa (Spain): Federation of cooperatives with banking (Caja Laboral), industrial, and educational divisions operating under the cooperative principle. Directly comparable governance model with central representation, shared services, and education-linked partnerships (the Integradora network also partners with Universidad Mondragón México).

Regional players

• Cooperative Bank of Kenya: Kenyan cooperative bank owned by the Kenyan cooperative movement with millions of members via Sacco affiliates. Comparable as a federation-style cooperative banking network serving emerging-market consumers; Integradora Central's Kenya DT Sacco exchange highlights the cross-border linkage.

Others

• Caja Popular Mexicana: The federation's largest affiliate and Mexico's biggest cooperative savings institution. While not a peer in the strict sense (it is a member), its scale (3.9M members, 501 branches, CPM Móvil Plus) makes it the benchmark for any Mexican cooperative savings network.

Broad incumbents

• Rabobank Group: Dutch cooperative bank federating local member banks with global wholesale, retail, and rural banking operations. Comparable as a mature cooperative banking network operating across multiple geographies with shared infrastructure and a member-owned governance model.
• Desjardins Group: Canada's largest cooperative financial group, federating hundreds of caisses populaires with millions of members. Directly comparable as a mature second-tier cooperative federation providing shared technology, insurance, and representation services to member cooperatives.
• Caja de Ahorros y Monte de Piedad de Madrid: Spanish savings institution (caja) with a historical cooperative-style savings mandate. Comparable as a long-standing member-owned financial institution operating in a regulated cooperative framework, though now part of a larger banking group.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/integradora-central

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries10 records

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 Integradora Central