Tokachi Shinkumi Bank

Tokachi Shinkumi Bank is a credit union (shinyo kumiai) operating in the Tokachi region of Hokkaido, Japan. As a cooperative financial institution, it serves local residents and small to medium-sized enterprises based on the principle of mutual assistance. The institution operates eight branches throughout the Tokachi area, with deposits totaling approximately 62.4 billion yen and loans outstanding of 46.8 billion yen as of March 2024.

Unlike profit-driven commercial banks, Tokachi Shinkumi Bank prioritizes the prosperity of its members and the development of the local community over shareholder returns. The institution maintains a strong capital adequacy ratio of 11.30% as of March 2024, significantly exceeding Japan's domestic regulatory standard of 4%.