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When the Agency for Co-operative Housing was established in 2005, our mission was clear: help federally funded housing co-ops improve their operations. 

And, as for most businesses, dollars and cents play a big role in that.

We needed a way to help co-op members better understand their co-op’s

Every year, every Agency client housing co-op receives a Risk Assessment Report. It is one of the most valuable tools for understanding your co-op’s financial health and future prospects.

The report, together with the Plain Language Financials and Performance Report, is part of the Agency’s Annual

Over the last twenty years, the Agency has made significant strides in helping housing co-operatives address the issue of directors in arrears as a part of its client risk assessment.

In 2007, 28% of co-ops reported having directors who owed money to their co-op. But by 2024, that number  dropped to

From our early beginnings, one of the primary tools the Agency has used to help co-ops improve their operations is their risk rating. 

Essentially, a risk rating identifies a co-op’s current degree of health and its future prospects, based on evaluations of its financial strength, operational