Our social impact
As a member-owned credit union, our purpose is to provide fair and affordable financial services while creating positive change for our members and the communities we serve.
Our impact in 2025
Our latest Social Return on Investment assessment measures the wider value created through improved financial wellbeing, reduced stress, stronger communities and support for people facing financial difficulty.
Total social value created
The estimated value of positive outcomes created for members, communities and public services.
Social value for every £1 invested
Our headline Social Return on Investment ratio shows the wider value generated through the credit union model.
Clockwise members
A growing community of people saving, borrowing and supporting one another through their credit union.
Where the greatest value was created
The assessment looks beyond financial transactions to understand the changes members experience in their everyday lives.
Improved money management, community belonging and the value members place on helping one another were the three largest contributors to Clockwise's social value in 2025.
Better able to manage money
Members reported improved financial capability, confidence and control over their money.
A stronger sense of belonging
Members valued being part of a supportive, member-owned community.
Proud and happy to help others
Members valued knowing that their money supports other people and the local economy.
The difference members experienced
Members reported positive changes in their financial resilience, independence and wellbeing.
Positive member outcomes
- ✓ 48% felt less stressed and worried about money
- ✓ 31% were better able to manage their money
- ✓ 28% were proud that their money supported the local economy
- ✓ 27% became more independent
- ✓ 26% were proud to support disadvantaged members
- ✓ 23% were better able to save regularly
Financial resilience
Trust, clarity and fair treatment
Members reported strong levels of trust and transparency, reflecting our responsibility to explain services clearly and support good financial outcomes.
Wider social outcomes
Some outcomes affect a smaller proportion of members but can represent a significant change for people experiencing difficult or complex circumstances.
What members told us
Members described Clockwise staff as fair, kind, responsive and non-judgemental. They told us that our services had helped them budget, save for the first time, manage unexpected bills, reduce financial stress and avoid going without essential items.
- Fair and supportive service
- Affordable repayments
- Better saving habits
- Greater financial confidence
- Support during difficult periods
- A stronger sense of community