About Us (English)

We are currently qualified by two of the most recognized, professional and experienced institutions nationally and worldwide. Below we present our ratings, the link where they can be consulted directly, and some of the comments that are reflected there.

HR Ratings: A+ Rating

June 2020


  • Adequate solvency levels, with a capitalization ratio of 34.3% as of the first quarter of 2020.
  • Solid levels of profitability.
  • Higher credit quality (lower delinquency in loans granted) than industry standards.
  • Low credit concentration, without relevant credits to related parties.
  • Solid corporate structure, led by members with extensive experience in the sector.
  • In their base scenario, HR Ratings foresee that the capitalization of Crediclub will be at 40% by the end of 2020, and in their stress scenario will be at 26%, both indicators are well above what is required by regulation.
  • The A rating demonstrates appropriate security for the timely payment of debt obligations.

Fitch Ratings: A- Rating

April 2020


  • Crediclub has a good financial profile to face the challenges of the industry.
  • Reasonably good asset quality metrics.
  • Growing franchise and with a certain position in the financial sector.
  • High profitability indicators backed by strong margins.
  • Adequate and comparatively stronger capitalization metrics than competitors.
  • Flexibility of funding by attracting deposits, development banking lines and issues in the Mexican Stock Exchange.
  • The A ratings reflect low default risk expectations, as well a strong ability to pay financial commitments.

Mejores Empresas Mexicanas


  • Mejores Empresas Mexicanas (Best Mexican Companies) is an initiative promoted by Tecnológico de Monterrey, Deloitte and Citibanamex that seeks to promote and recognize private medium-sized companies in Mexico that stand out for their high level of performance in business administration.
  • We obtained this recognition in 2020 for the 7th time, which shows our level of competitiveness within the market.

Other recognitions


  • Working environment. We have received prestigious awards for our great work environment (e.g. GPTW) and our culture of innovation (e.g. Forbes ’Game Changers). This reflects of our commitment to meritocracy, respect for each employee, and an environment that encourages growth.
  • Social Responsability. We have received the highest recognitions in social responsibility (e.g. ESR), demonstrating our pledge to our employees, our local community and society in general, as well as our purpose to improve people’s lives.
  • Adherence to quality standards. Our quality certifications (e.g. ISO-9001), reflect our focus on superior performance and continuous improvement.

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