Coop is struggling financially, but franchise owners are making millions and can make significant stock dividends every year. The franchise concept started as a way to attract store managers to unattractive locations and is now seen as a key to Coop's future.

In July 2023, IDB Invest and Cooperativa de Ahorro y Crédito Jardín Azuayo issued a $20 million diversity and inclusion social bond, a global first with performance-linked incentives. IDB Invest and Oikocredit each invested $10 million. Jardín Azuayo, an Ecuadorian cooperative, will use the funds to expand credit access for women-owned and/or led MSMEs, low-income individuals, those with low education, indigenous people, and migrants in Ecuador.