Our Capital Fund, simply stated, creates an additional cushion to protect our deposits and allows us to make loans. As the Capital Fund is a ratio of current deposits, we can leverage the fund to increase our ability to accept more deposits and make even more loans.

To best steward the institution and our members, we need to:

• Maintain our current services and expand our commitment to the community
• Continue to create opportunities for individuals, families, and small businesses to take the steps in becoming more sustainable
• Become a well-capitalized financial institution

• Have a capital ratio between 10% - 12%
• Credit unions in New Mexico have an average capital ratio of 12.3%
• PCU's current capital ratio is 6.1%

Since our capital protects the deposits and loans of our members, in addition to the protection already provided by NCUA insurance, our goal is to raise sufficient capital to put our capital ratio in the 10%-12% range.

To learn more about our Capital Campaign, please read our Case for Support.

Please consider making a gift today!

Donate to the PCU Capital Campaign

The Permaculture Credit Union is a non-profit organization. Through our fiscal sponsor, the Permaculture Guild, a 501 (c) (3), your donation to support the efforts of the The PCU is 100% tax deductible.

Thank you for your support.