Over the years, through trial and error, successes and failures, FICCO has developed its own unique way of doing things. We call this the FICCO culture.

Culture defined: “The set of shared attitudes, values, goals, and practices that characterizes an institution.”

Total Member Care
a. Quality Service: members feel that joining FICCO is a value added exercise
b. Responsive services: wide range of products/services, business centers, extra working hours
c. Service with personal touch: personnel go out of their way to serve members
d. Active participation of grateful members: members help sell the FICCO idea
Good Governance
a. Stewardship and ownership: Officers and staff are prudent custodian of assets
b. Transparency and democracy: The actions of leaders and mgt staff are open to scrutiny
c. Accountability: Paper trail are available to establish responsibility; Officers and mgt staff recognize their responsibilities to protect FICCO’s resources
Defining Values
a. Sacrifice: FICCO people are willing to go out of their comfort zones to pursue the greater good
b. Discipline: Everybody follows policies. Meetings and other activities start on time as measure of respect for everyone.
c. Volunteerism, not opportunism: Officers and staff contribute time and skills without counting costs
d. Lean organization: FICCO never for once had a bloated bureaucracy
e. Control cost and expenses: “Spartan” and “minimalist” are words that best described FICCO operation. No frills, no junket.
f. High returns to members: consistently high dividend and patronage refund despite competitive pricing of its services
g. Aggressive yet sure footed:FICCO is the pioneer in branching out in Mindanao but it goes to places where there are already sizable membership. Thus its branches breakeven in just few months of operation.