Key Financial Results
The cost of funds, yield on assets, net financial margin and per employee business of the cooperative for the last eight financial years were as follows. The calculation is based on average business during the years.

Year	Gross yield on Assets	Gross cost of Funds	Gross financial margin	Cost of Management compared to working fund	Net financial margin	Staff Productivity (per employee business)
2000-01	14.85%	8.86%	5.99%	3.48%	2.51%	17.42
2001-02	14.18%	8.80%	5.38%	2.68%	2.70%	30.27
2002-03	14.16%	8.12%	6.04%	2.20%	3.84%	29.45
2003-04	13.28%	7.73%	5.55%	2.46%	3.09%	37.27
2004-05	12.15%	7.61%	4.54%	1.78%	2.76%	47.65
2005-06	11.24%	6.32%	4.92%	1.86%	3.06%	61.05
2006-07	10.27%	6.34%	3.93%	1.50%	2.43%	65.70
2007-08	10.84%	6.96%	3.88%	1.46%	2.42%	78.72
2008-09	11.10%	7.38%	3.72%	1.24%	2.48%	127.76
2009-10	11.62%	6.70%	4.92%	1.46%	3.46%	99.91

Growth in per employee business during the financial year 2008-09 was 62% as compared to the year 2007-08.Beside against break even level of business of Rs.645.97 lacs as worked out for the year 2008-09.Actual turnover was Rs.1533.05 lacs for the year 2008-09 and it exceeds by 22%.Besides the percentage of the CRAR (Capital to Risk Weighted Assets Ratio) of Creditco stands at 21.25% above in the year 2008-09 though the stipulated norm has been fixed at 9%.