Our Story
A member-owned institution built on cooperation, trust and growth
Ntarinkon Cooperative Credit Union Limited — NtaCCUL — grew from a small community savings initiative in Ntarinkon-Mankon, Bamenda, into one of Cameroon’s largest cooperative financial institutions.
For more than five decades, the Union has focused on mobilising savings, providing accessible credit and expanding financial services to its members.
Our history
From a community savings group to a national union
NtaCCUL traces its origins to a small discussion and savings group formed in Ntarinkon-Mankon in the early 1970s by about 15 community members.
The late Elias Nde Warah was one of the central figures in the initiative and hosted some of the early meetings at his home.
Members initially contributed small weekly savings, creating a cooperative system through which members could support one another financially.
The organisation later developed into Ntarinkon Cooperative Credit Union and expanded its membership, professional staff, financial products and geographical reach.
Today, NtaCCUL provides savings, credit and increasingly digital financial services to members across several regions of Cameroon.
Major milestones
Five decades of cooperative growth
1972
Community beginnings
NtaCCUL develops from a small savings and discussion group of approximately 15 members in Ntarinkon-Mankon.
1980s
Formal credit union development
The cooperative develops into a formally organised credit union and begins expanding beyond the original community group.
1992
Professionalisation
NtaCCUL enters a new phase of institutional development, including stronger administration and recruitment of qualified staff.
2013
New management phase
Divine Ade Muma assumes leadership as General Manager and the institution enters a major period of expansion and transformation.
2024
Digital banking expansion
Mobile banking and USSD services become increasingly important, giving members greater access to financial services without depending entirely on physical branches.
2025
Membership passes 100,000
NtaCCUL reports membership of more than 100,000 members.
2026
117,213 members
The Union reports 117,213 members for the 2025 financial year together with continued growth in savings, share capital and lending.
2026
GIMAC card services
NtaCCUL expands card-based access through the regional GIMAC payment network.
NtaCCUL today
The Union in numbers
117,213+
Members
Reported membership for the 2025 financial year.
FCFA 66.8B
Savings
Total member savings reported for 2025.
FCFA 45.2B
Loans
More than 102,000 loans were reported during the 2025 financial year.
6%
Interest on savings
NtaCCUL has maintained a strong member return policy, including a reported 6% annual interest rate on savings.
National
Growing network
The Union continues to expand its physical and digital presence across Cameroon.
Figures based on NtaCCUL’s reported 2025 financial performance presented at the 39th Annual General Assembly in March 2026.
Achievements
What the membership has built
NtaCCUL’s growth has been driven by member mobilisation, savings growth, lending, branch expansion, financial inclusion and investment in digital services.
Membership exceeding 117,000 members.
Member savings reaching approximately FCFA 66.8 billion.
More than 102,000 loans valued at approximately FCFA 45.2 billion reported during 2025.
Expansion of mobile banking and USSD financial services.
Introduction of GIMAC card services.
Expansion into additional cities and regions of Cameroon.
Continued financing of farmers, traders, salary earners, small businesses and other members.
Participation in financial inclusion and agricultural microcredit programmes.
Awards & recognition
Recognitions reported over the years
General Manager recognition
Divine Ade Muma received leadership recognition from The Guardian Post for his work in the microfinance sector.
Digital & innovation recognition
NtaCCUL received recognition connected to innovation and the growing use of digital financial services.
Regional microfinance recognition
NtaCCUL received recognition for its scale and impact within the CEMAC microfinance sector.
Institutional recognition
NtaCCUL received recognition for sustained institutional performance and stability.
African credit union recognition
NtaCCUL reported being ranked among leading African credit unions by the Confederation of African Credit Unions.
Awards and rankings shown here reflect recognitions reported by the respective organisations and publications.
Leadership
Governance and executive management
Barrister Akumah Bih Miranda
President, Board of Directors
Barrister Akumah Bih Miranda is the President of the Board of Directors of Ntarinkon Cooperative Credit Union Limited.
A practising legal professional based in Bamenda, she has also accumulated experience within NtaCCUL’s cooperative governance structure.
View ProfileDivine Ade Muma
General Manager
Divine Ade Muma is the General Manager of Ntarinkon Cooperative Credit Union Limited and has led the institution’s executive management since 2013.
His professional background combines banking, finance, credit management and business administration.
View ProfileInstitutional information
How the Union is structured
Institution type
Member-owned cooperative credit union and Category One microfinance institution.
Head office
Ntarinkon, Mankon, Bamenda, North West Region, Cameroon.
Governance
NtaCCUL is governed through its members, General Assembly, Board of Directors, supervisory structures and professional management.
Regulatory environment
NtaCCUL operates within Cameroon’s regulated microfinance system and the wider CEMAC financial regulatory framework.
Cooperative principle
Members are not simply customers of the institution. The cooperative model places members at the centre of ownership, governance, savings mobilisation and access to financial services.
Mission focus
- Financial inclusion.
- Savings mobilisation.
- Responsible lending.
- Member empowerment.
- Digital access.
- Sustainable institutional growth.