ADRODDIAD ARIANNOL 2009/10 |
Archwilwyr yr Undeb Credyd yw Williams Ross sydd wedi’u lleoli yng Ngwaelod y Garth. Archwiliwyd ein cyfrifon ganddynt am dros 15 mlynedd, a dangosir eu harchwiliad mwyaf diweddar fod Undeb Credyd Plaid Cymru Credit Union mewn cyflwr ariannol cadarn. Unwaith eto mae swm yr arian a fenthycir wedi codi i £191,197, ffigwr sydd heb ei gyrraedd gennym ers bodoli, fel y dangosir yn y graff. Llôg ar y benthyciadau yw prif incwm UCPCCU a chyda’r llôg ar fuddsoddiadau yng Nghymdeithas Adeiladu Abertawe a Chymdeithas Adeiladu Sir Fynwy, dyma’r unig incwm a sicrheir gan UCPCCU. Yn anffodus, oherwydd y raddfa llôg isel gan y Cymdeithasau Adeiladu, mae’r incwm o’r ffynhonell yma wedi gostwng yn sylweddol. Mae’r swm o gyfrannau aelodau (cynilion) a gedwir gan UCPCCU wedi cynyddu unwaith yn rhagor am y degfed flwyddyn yn olynol. Ar hyn o bryd mae’r swm yn sefyll ar dros £300,000. O ganlyniad i’n perfformiad rydym unwaith yn rhagor yn gallu cynnig llôg difidend o 2% ar gyfrifon gyda mynediad sydyn, sydd yn uwch na rhan fwyaf o Fanciau y Stryd Fawr a Chymdeithasau Adeiladu. Newyddion da am 2010/11 yw bod y benthyciadau yn uwch eto ac yn llawer uwch na’n targed am y flwyddyn, a chyda 3 mis eto yn weddill o’r flwyddyn, fe all guro record y benthyciadau uchaf a wnaed yn 2004/05 a oedd yn £124,211.  Ebost/Gwefan Gellir cael gafael ar pob ffurflen o’r wefan. Bydd diweddiadarau cyson yn cael eu postio ar y wefan. Hefyd mae dolenni diddorol ar gael i ACau a ASau Plaid Cymru, Jill Evans ac amryw eraill. Cyfeiriad yr ebost yw post@ucpccu.org neu ucpccul@btconnect.com a gellir cael mynediad i’r wefan drwy www.ucpccu.org |
Friday 11 November 2011
Undeb Credyd Plaid Cymru
Plaid Cymru Credit Union
FINANCIAL REPORT FOR 2009/10
The Auditors for the Credit Union are Williams Ross based at Gwaelod y Garth. They have audited our accounts for over 15 years and their latest audit shows Undeb Credit Plaid Cymru Credit Union to be in sound financial order.
Once again the amount of money out on loan to our members has increased to £191,197 a figure never exceeded in our existence as shown in the graph.
The interest from the loans is the main income for UCPCCU union and together with the interest on investments with the Swansea Building Society and the Monmouthshire Building Society it is the only income UCPCCU obtains. Unfortunately because of low interest rates by the Building Societies the income from this source has been reduced substantially.
The amount of members’ shares (savings) held by UCPCCU has again increased for the tenth year in succession. At present this sum stands at over £300,000.
As a result of our performance we have again been able to award an interest dividend of 2% which is higher than most High Street Banks and Building Societies for accounts with instant access.
Good news for 2010/11 is loans are again higher and well above our target for the year, with 3 months yet to run it may beat the highest loans made record of 2004/05 that was £124,211
E-mail/Website
All forms can be accessed from the site. Regular updates are now posted on the site. Interesting links are also available to Plaid Cymru AMs, MPs, Jill Evans and many others. All forms can be downloaded from the site.
E-mail address is post@ucpccu.org or ucpccul@btconnect.com. and the website can be accessed at www.ucpccu.org
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