東京消防信用組合 (Tokyo Fire Department Credit Cooperative)

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This entry sits under cooperative-banks INDEX as the Tokyo Fire Department employee occupation-based shinkumi anchor, completing the Tokyo emergency/civil-service shinkumi trio with Keishicho Shinkumi (police) and Tokyo Metropolitan Government Employees Credit Cooperative (Tokyo Metropolitan Government Employees Credit Cooperative) (metropolitan civil servant) within the 143-cooperative population catalogued in Japan credit cooperative registry.

TL;DR

The Tokyo Fire Department Credit Cooperative is an occupation-based credit cooperative whose members are employees affiliated with the Tokyo Fire Department (firefighters + clerical staff + OB/retirees), with its head office in Otemachi, Chiyoda-ku, Tokyo (inside the Tokyo Fire Department headquarters). FSA registry No. 49 (under the jurisdiction of the Kanto Local Finance Bureau), corporate number 2010005002121. It is a small-scale occupation-based shinkumi that limits membership eligibility to Tokyo Fire Department employees + their spouses and relatives, with its main businesses being living-funds loans, housing loans, and retirement-allowance investment for members. A National Federation of Credit Cooperatives (Zenshinkumiren) member, subject to Deposit Insurance Corporation of Japan (DIC). It operates on a relatively small member base of about 1.8 万 people in the Tokyo Fire Department (firefighters + clerical staff), a niche representative example of an occupation-based shinkumi. ^•

1. Corporate overview

Membership eligibility ^•

As an occupation-based shinkumi, membership eligibility is strictly limited to Tokyo Fire Department employees:

1. Basic requirement: employees affiliated with the Tokyo Fire Department (firefighters, ambulance crew, clerical staff, technical staff, etc.)
2. Retirees: OB / OG who have retired from the Tokyo Fire Department (continued membership within a certain period is common)
3. Spouses and relatives: members’ spouses and family in the same household (per the articles of association)
4. Non-member use: strictly restricted

The big three Tokyo emergency/civil-servant occupation-based shinkumi (registry comparison)

Position within Zenshinkumiren

• A Kanto-block member institution of National Federation of Credit Cooperatives (Zenshinkumiren)
• One wing of the Tokyo 19 shinkumi among the Kanto 49 shinkumi
• A representative of the occupation-based shinkumi group, and among them of the civil-servant occupation-based shinkumi
• System ATM linkage and surplus-fund management go through Zenshinkumiren

Main businesses ^•

5. KPI (confirmed figures)

Note: The above are values based on Wikipedia basic information (as of 2022 年 3 月 31 日). For the latest half-year/full-year figures, refer to the Tokyo Shobo Shinkumi official disclosure booklet (FY2024 full year = as of 2025-03-31, etc., image PDF) + Japan credit cooperative registry. As an occupation-based shinkumi, it is a small-scale institution with total assets below 1,000 億円.

6. Supervision / regulation

• Lead authorities: Financial Services Agency / Kanto Local Finance Bureau
• Legal basis: Act on Cooperatives of Small and Medium Enterprises, etc. + Act on Financial Businesses by Cooperatives (the “Kyokinho”)
• Deposit insurance: Deposit Insurance Corporation of Japan (DIC) general-financial-institution category
• Recent policy issues:
  • DX response (smartphone apps / electronic contracts / web-completed loans)
  • Securing continuity during disasters (BCP / business continuity plans)
  • Functional coordination with mutual-aid associations
  • OB / OG member management

Related

• keishicho-shinkumi — Metropolitan Police Employees Credit Cooperative (peer occupation-based shinkumi, police line)
• tokyo-to-shokuin-shinkumi — Tokyo Metropolitan Employees Credit Cooperative (peer occupation-based shinkumi, metropolitan-employee line)
• zenshin-kumi — National Federation of Credit Cooperatives (the central institution of the shinkumi industry)
• dic — Deposit Insurance Corporation of Japan
• credit-cooperative-registry-japan — Japan credit cooperative registry (the 143 shinkumi as a whole)
• cooperative-banking-japan — Cooperative finance as a whole
• iwaki-shinkumi — Iwaki Credit Cooperative (peer regional-type shinkumi, business-type contrast)
• cooperative-banks INDEX

Sources

• Tokyo Fire Department Credit Cooperative official “Management Report” (list of disclosure booklets): https://www.shoubou.co.jp/profile/report.html — disclosure booklets for FY2024 full year (2025-03-31), FY2025 first half (2025-09-30), etc. (image PDF)
• Wikipedia “Tokyo Fire Department Credit Cooperative” basic information (as of 2022-03-31): https://ja.wikipedia.org/wiki/東京消防信用組合 — total assets 884.69 億円, deposits 733.46 億円, loans 402.93 億円, net assets 56.74 億円, branches 3, officers and staff 37 名, established 1954-01-18
• FSA list of credit-cooperative licenses: https://www.fsa.go.jp/menkyo/menkyoj/shinkumi.xlsx (corporate number 2010005002121, registry No. 49)
• National Central Society of Credit Cooperatives: https://www.shinyokumiai.or.jp/
• Zenshinkumiren (National Federation of Credit Cooperatives) official: https://www.zenshinkumiren.jp/
• Deposit Insurance Corporation of Japan official: https://www.dic.go.jp/
• Act on Cooperatives of Small and Medium Enterprises, etc.
• Act on Financial Businesses by Cooperatives (the “Kyokinho”)
• Act on Mutual Aid Associations for Local Public Service Personnel, etc.

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[!info] Verification status confidence: likely. The corporate number, registry No., and head-office location (inside the Tokyo Fire Department) derived from the FSA registry are ^• (public information). Total assets, deposits, loans, net assets, branches, and the number of officers and staff are confirmed via Wikipedia basic information (2022-03-31) (replacing prior rough estimates with actual figures; for the latest, the official disclosure booklet). It was added in the Wave 13 expansion as a representative anchor of an occupation-based shinkumi for fire-department employees. The specific division of roles with the mutual-aid association is unconfirmed and is therefore isolated in .opinions/JapanFG/tokyo-shobo-shinkumi.md.