{"id":58184,"date":"2026-06-16T10:59:36","date_gmt":"2026-06-16T13:59:36","guid":{"rendered":"https:\/\/ocanal.com\/noticias\/corporativas\/cooperativas-de-credito-avancam-e-ganham-forca-no-brasil\/"},"modified":"2026-06-16T10:59:36","modified_gmt":"2026-06-16T13:59:36","slug":"cooperativas-de-credito-avancam-e-ganham-forca-no-brasil","status":"publish","type":"post","link":"https:\/\/ocanal.com\/noticias\/corporativas\/cooperativas-de-credito-avancam-e-ganham-forca-no-brasil\/","title":{"rendered":"Cooperativas de cr\u00e9dito avan\u00e7am e ganham for\u00e7a no Brasil"},"content":{"rendered":"

O cooperativismo de cr\u00e9dito segue ganhando espa\u00e7o no sistema financeiro brasileiro, com crescimento superior ao dos bancos tradicionais e indicadores consistentes de solidez. Dados do Banco Central<\/a> mostram que o segmento vem se expandindo em ritmo acelerado, consolidando-se como alternativa competitiva no pa\u00eds.<\/p>\n

Em 2024, segundo o Banco Central<\/a>, os ativos das cooperativas atingiram cerca de R$ 885 bilh\u00f5es, com crescimento acima de 20%, enquanto o restante do sistema financeiro avan\u00e7ou em ritmo menor.<\/p>\n

Outro diferencial est\u00e1 na presen\u00e7a territorial. As cooperativas<\/a> j\u00e1 atendem cerca de 58% dos munic\u00edpios brasileiros e, em muitos casos, s\u00e3o a \u00fanica alternativa de atendimento financeiro presencial, ampliando a inclus\u00e3o financeira no pa\u00eds.<\/p>\n

Al\u00e9m da expans\u00e3o, o modelo se destaca pelos indicadores financeiros<\/a>. As cooperativas operam com \u00edndice m\u00e9dio de Basileia em torno de 18,1%, acima do m\u00ednimo regulat\u00f3rio, e estudos apontam n\u00edveis de inadimpl\u00eancia inferiores aos dos bancos tradicionais.<\/p>\n

Outro aspecto que diferencia o setor \u00e9 a distribui\u00e7\u00e3o dos resultados. Ao contr\u00e1rio dos bancos, que destinam lucros a acionistas, as cooperativas devolvem as chamadas "sobras" aos pr\u00f3prios cooperados.<\/p>\n

Exemplo disso \u00e9 o Sicoob Credicom<\/a>, que anunciou a distribui\u00e7\u00e3o de R$ 209 milh\u00f5es em sobras referentes a 2025. Para o presidente da institui\u00e7\u00e3o, Dr. Jo\u00e3o Augusto Oliveira Fernandes, o resultado reflete a ess\u00eancia do modelo:<\/p>\n

"A distribui\u00e7\u00e3o das sobras\/cashback \u00e9 uma das maiores express\u00f5es do nosso modelo, representando a devolu\u00e7\u00e3o de um resultado constru\u00eddo coletivamente, com responsabilidade e participa\u00e7\u00e3o ativa. Esse resultado refor\u00e7a a solidez da cooperativa e o compromisso em gerar valor para todos".<\/p>\n

Com crescimento consistente, forte capitaliza\u00e7\u00e3o e participa\u00e7\u00e3o crescente no mercado, o cooperativismo de cr\u00e9dito se consolida como um modelo que alia competitividade, proximidade e gera\u00e7\u00e3o de valor compartilhado.<\/p>\n

\"\"<\/p>\n","protected":false},"excerpt":{"rendered":"

O cooperativismo de cr\u00e9dito segue ganhando espa\u00e7o no sistema financeiro brasileiro, com crescimento superior ao dos bancos tradicionais e indicadores consistentes de solidez. Dados do Banco Central mostram que o segmento vem se expandindo em ritmo acelerado, consolidando-se como alternativa competitiva no pa\u00eds. Em 2024, segundo o Banco Central, os ativos das cooperativas atingiram cerca […]<\/p>\n","protected":false},"author":3,"featured_media":58185,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"class_list":["post-58184","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias"],"yoast_head":"\nCooperativas de cr\u00e9dito avan\u00e7am e ganham for\u00e7a no Brasil - Ocanal Not\u00edcias Corporativas - Empresariais, comunicados e neg\u00f3cios<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ocanal.com\/noticias\/corporativas\/cooperativas-de-credito-avancam-e-ganham-forca-no-brasil\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cooperativas de cr\u00e9dito avan\u00e7am e ganham for\u00e7a no Brasil - Ocanal Not\u00edcias Corporativas - Empresariais, comunicados e neg\u00f3cios\" \/>\n<meta property=\"og:description\" content=\"O cooperativismo de cr\u00e9dito segue ganhando espa\u00e7o no sistema financeiro brasileiro, com crescimento superior ao dos bancos tradicionais e indicadores consistentes de solidez. 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