From expanding overseas operations to strengthening digital systems and improving care for seniors, 2025 was a year of steady progress for the Singapore Co-operative Movement. We asked co-operators across different sectors to reflect on the moments they were most proud of, and why those milestones mattered to the communities they serve.
Evelyn Siow (Seacare)
What achievement or moment are you most proud of in 2025?
In 2025, Seacare expanded its investment in Vocuppa Café beyond Ho Chi Minh City, extending our presence into new regions in Vietnam. We also achieved portfolio growth in the United Kingdom, with Seacare-owned hotels reaching 20 properties as at December 2025. At the same time, we continued our long-standing CSR initiatives supporting seniors and families in the community.
Why does this matter to your co-op or to the community you serve?
These milestones strengthen Seacare’s global footprint and long-term business sustainability, while diversifying revenue streams in line with our growth strategy. Just as importantly, they reaffirm our commitment to the community through continued support for senior residents and school-going children at Jalan Kukoh and Chin Swee.
What is one key takeaway or lesson from this experience?
Sustainable growth is most meaningful when business expansion goes hand in hand with consistent, long-term social responsibility.
Kharthick Gangatharan (TCC Credit Co-op)
What achievement or moment are you most proud of in 2025?
The moment that stands out most for me in 2025 is witnessing our co-operative take courageous steps into a new era of digital growth as we approach our 100 years of existence. This year, we refreshed our logo as symbol of renewal and hope, and began shaping a future where our services will soon be fully digital, intuitive, and guided by AI.
Our new banking system is not yet launched, but the progress we have made fills me with pride. It represents the hard work of every staff member, the trust of our members, and a shared vision of a stronger, more connected TCC. With our AI-powered website also on the horizon, I truly feel we are building something meaningful for the generations to come.
Why does this matter to your co-op or the community you serve?
This journey matters because it is about more than technology; it is about honouring the people we serve. For decades, members have placed their trust in TCC, and as the world changes, it is our responsibility to grow with them. Enhancing our digital capabilities ensures that every member; from youths navigating their first financial decisions to seniors seeking ease and assurance feels supported, valued, and included.
These enhanced systems also allow our staff to benefit from improved workflows while ensuring strong governance structures, so they can continue delivering reliable and transparent service with confidence. For me, this transformation is a promise: that TCC will continue to be a safe, reliable, and empowering partner in their lives.
What is one key takeaway or lesson from this experience?
The greatest lesson I have learned is that transformation begins with belief. A belief in our purpose, our people, and our future. This year showed me that even the most ambitious changes are possible when a co-operative stands united. Our team’s dedication and resilience reminded me that leadership is not about pushing forward alone, but about inspiring a shared journey.
And so, as we continue building towards our digital future, I carry with me a renewed sense of gratitude and conviction. TCC is evolving, and we are doing it together; with heart, with purpose, and with the unwavering belief that our best years are still ahead.
Toh Su Lyn (NTUC Health)
What achievement or moment are you most proud of in 2025?
In 2025, my proudest moment was the collaboration with NTUC Enterprise and SNCF to plan the Home Care seniors’ first official outing to Gardens by the Bay. The seniors and caregivers thoroughly enjoyed the day, and seeing their joy made all the effort incredibly fulfilling. In addition, I have been helming the Home Personal Care Plus Pilot for nearly three years, and due to the success of the pilot, the Ministry of Health has decided to mainstream the service for all seniors in the community from 2026. My involvement in the pilot by connecting with seniors, caregivers, and various stakeholders, while also working closely with the MOH team to provide data for their research has given me a valuable opportunity and immense satisfaction. It is rewarding to know that seniors can now enjoy a more comprehensive set of services that supports them in aging well in their own homes.
Why does this matter to NTUC Health or to the community you all serve?
With the projects and with the new enhanced service model, I am determined that the seniors will have improvement in quality of life. The seniors could receive a much coordinated support, helping them stay healthy and active in familiar surroundings. The seniors will then be supported to age independently with the support of the well-rounded services that allows seniors to retain control over their daily routines and continue living in their own homes with dignity. When seniors receive better, structured services, caregivers experience less stress and are better able to sustain their caregiving roles.
What is one key takeaway or lesson from this experience?
The biggest lesson I’ve learned is that when we truly listen to seniors and understand their needs, even small improvements in services can make a profound difference in their well-being. With ground-level understanding, are essential for shaping policies and services that effectively support aging in place.
Singapore Public Works Employees Credit Co-operative Society
What achievement or moment is your co-operative most proud of in 2025?
Despite the challenging landscape, we recorded zero bad debts and were able to distribute dividends of more than 3% on subscription account.
Why does this matter to your co-op or to the community you serve?
Given that most of our members fall within the lower-income bracket, delivering a good dividend payout has a tangible impact in helping them manage daily expenses, an outcome that matters deeply and strongly resonating with the co-operative spirit.
What is one key takeaway or lesson from this experience?
The key takeaway from this experience is the importance of serving our members selflessly; doing good without expectation of return. Our co-operative exists to support members in times of need, not to profit from their hardship.
Ashiqin (SGSCC)
What achievement or moment are you most proud of in 2025?
I joined SGSCC in May 2003, and 2025 marks my 22nd year with the co-operative. This year is especially meaningful as SGSCC celebrates 100 years of service to our members.
One of the proudest highlights was the successful organisation of our 100th Anniversary Gala Dinner held at the Fairmont Hotel in October. While there was a great deal of planning and work behind the scenes, the strong support and guidance from our management team made the event a success.
Other key milestones in our centennial year included a Centennial Musical Extravaganza with a bonanza draw in July 2025, where 100 SGSCC members redeemed gold bars, and the continued engagement of members at our Annual General Meeting.
Another significant achievement in 2025 was the launch of the SGSCC Mobile App, which allows members to conveniently check their accounts and make withdrawals at their own time. We look forward to enhancing the app further by introducing features such as loan applications and updates of personal particulars.
Why does this matter to your co-op or to the community you serve?
These milestones reflect SGSCC’s commitment to evolving with the needs of our members while honouring our long history. Celebrating 100 years is not just about longevity, but about trust, service, and relevance.
The launch of the mobile app, in particular, improves accessibility and convenience for our members, ensuring we continue to serve them efficiently in a digital age while maintaining our personal touch.
What is one key takeaway or lesson from this experience?
One key lesson is the importance of consistency, teamwork, and frontline service. I am proud to have served at the frontline for the past 22 years, being the first point of contact for our members.
Being the first person members see when they walk in means setting the tone for their experience—approaching each interaction with patience, professionalism, and care. This role has taught me that small, everyday interactions build trust and lasting relationships, which are the foundation of a strong co-operative.
As told to Sng Ler Jun
Responses have been edited for clarity
