Abstract
Credit unions often depend on a small number of large depositors and employer groups. This note sets out how deposit concentration can be measured from routinely reported data and why it matters for liquidity planning.
Key points
- Adapts standard concentration measures to credit-union funding structures.
- Discusses the reporting fields needed to measure concentration consistently.
- Connects funding concentration to the Portfolio Concentration Model (ALG-CREDIT-002).
Cite this research note
Algocence Research Desk (2026). Deposit Concentration Risk Across Jamaican Credit Unions. Algocence Research Note 2026-02. Ocho Rios, Jamaica: Algocence.