Sustainable & Responsible

Running our business in the long-term interests of our members.

Why is it important?

As a mutual, it's always been our responsibility to do business in a sensible way that puts our members' interest first. That means always operating to the highest levels of trust and integrity in everything we do, whether that's making considered lending decisions, or working with borrowers in financial difficulty.

What we're already doing

Planning for all eventualities

The Society’s CET1 Capital Ratio for 2016 was 15.2%. This is a key indicator showing the level of reserves available to the Society to protect it from future problems.

Listening to our members

Our online member’s forum, TalkingPoint now has over 2,000 members helping to give us an even better understanding of what they need from us. Take a look and get involved here.

Supporting borrowers in financial difficulty

The Society works hard to help people have the home they want and support is in place to help members who find themselves in difficulty to make repayments. As part of this commitment, the Society works with StepChange, a charity that helps people get their finances under control.

Our 2017 - 2020 targets

  • Keep our CET 1 Capital ratio above 14%.
  • Achieve a below-industry-average number of upheld complaints from the Financial Ombudsman Service.
  • Increase the number of active TalkingPoint members to 2,500.

Discover how else we're making a difference


Money & Homes

Helping members save for the future and buy the home they want

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People & Places

Looking after our colleagues and the places where we operate.

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Members & Communities

Caring for our members and the communities they live in

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