Assessing Financial Growth, Stability, and Sustainability of Employees’ Credit Cooperative Societies in Karnataka: A Longitudinal Trend Analysis

Madevaswamy; Pramila A C

Assessing Financial Growth, Stability, and Sustainability of Employees’ Credit Cooperative Societies in Karnataka: A Longitudinal Trend Analysis

Author(s)	Madevaswamy, Dr. Pramila A C
Country	India
Abstract	Employees’ Credit Cooperative Societies (ECCSs) play a significant role in promoting financial inclusion and member welfare by providing savings and credit services to salaried employees. Despite their socio-economic importance, empirical evidence on their financial performance, particularly from a longitudinal perspective, remains limited. This study examines the financial growth, stability, and sustainability of selected ECCSs in Karnataka using a five-year longitudinal analysis covering the period from 2019–20 to 2023–24. The study adopts a quantitative research design based on secondary data obtained from audited financial statements of four ECCSs affiliated with the Karnataka State Road Transport Corporation, located in Bagalakote, Bengaluru, Mysuru, and Rayachuru. Financial performance is assessed using an integrated framework comprising growth indicators (total assets, deposits, loans, income, and net surplus), stability measures (current ratio proxy, debt–equity ratio, and deposit dependency ratio), and sustainability indicators (return on assets, return on equity, net worth, and reserve growth rate). The findings reveal that while all societies experienced positive asset and deposit growth, significant inter-institutional differences exist in financial stability and sustainability. Bengaluru and Mysuru exhibit relatively stronger financial resilience, whereas Rayachuru shows volatile capital growth and weaker sustainability. The study concludes that financial growth alone does not guarantee long-term viability and highlights the need for balanced emphasis on capital strengthening, prudent leverage, and effective liquidity management to ensure sustainable development of employee-based cooperative financial institutions.
Keywords	Employees’ Credit Cooperative Societies; Financial Performance; Financial Growth; Financial Stability; Financial Sustainability; Longitudinal Analysis; Karnataka
Published In	Volume 8, Issue 1, January-February 2026
Published On	2026-02-10

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Assessing Financial Growth, Stability, and Sustainability of Employees’ Credit Cooperative Societies in Karnataka: A Longitudinal Trend Analysis

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