CONTENTS Organisational Structure . . . . . . . . . . 3 Our Leaders Barbados Public Workers’ Co-operative Credit Union Limited 4 Legacy Foundation . . . . . . . . . . . . . . 6 BPW Financial Holdings Inc . . . . . . 7 CAPITA Financial Services Inc . . . . 7 CAPITA Insurance Brokers Inc . . . . 9 Consolidated Financial Highlights . 10 Management Discussion & Analysis . 12 Board of Directors’ Report . . . . . . . . 20 Independent Auditors’ Report . . . . . 32 Consolidated Financial Statements 38 Empowering Members, Supporting Families, Building Generational Success Since 1970 BPWCCUL has remained steadfast in its commitment to improving the financial well-being of its members while contributing to the strength and prosperity of our communities. Built on the principles of cooperation, trust and service, the Credit Union has evolved into one of Barbados’ most significant financial institutions, empowering generations of members to achieve their personal, family, and business aspirations. For more than five decades, we have provided accessible financial solutions, trusted guidance and opportunities that enable our members to build secure futures. From home ownership and education to entrepreneurship, savings and investment, our purpose has always been to help members transform their goals into lasting achievements. Our success is measured not only by financial performance, but by the positive impact we create in the lives of our members and the communities we serve. Every loan approved, every savings account opened and every financial milestone reached reflects our commitment to fostering economic empowerment and generational progress. As we look to the future, we remain dedicated to innovation, responsible stewardship and delivering exceptional value to our members. Together, we celebrate our achievements, embrace new opportunities and reaffirm our commitment to empowering members, supporting families, and building generational success.
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