2017 World Credit Union Conference Attendee List
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Credit Union Guidebook
Retail Impact Investing A GUIDEBOOK FOR CANADIAN CREDIT UNIONS FOREWORD Impact investing has the potential to be a growth opportunity and differentiator for the Canadian credit union sector. Today, impact investment options exist primarily for institutional and accredited investors. The opportunities for everyday investors to generate a return, while generating positive impact, are limited – this, despite evidence of market interest led by millennials and others. Credit unions are well positioned to tap into this opportunity. A core part of their mission is to ensure the financial, social and environmental well-being of the communities they serve: a mission that is aligned with the principles of impact investing. We see this Guidebook as a tangible resource to help credit unions address a marketplace gap and empower members to make investments that will have demonstrable, positive impacts in their communities. The Guidebook offers credit unions of all sizes and at all stages of their social responsibility journey actionable ideas of how to create and deploy retail impact investment products for their members. The guide also points to recommendations that the credit union sector as a whole can undertake. The Canadian Credit Union Association (CCUA) is committed to working with credit unions to explore how these recommendations can be advanced. We welcome your ideas and feedback - contact us at www.impactinvesting.ca/contact. CCUA is proud to have partnered with Purpose Capital, Employment and Social Development Canada, as well as a number of interested credit unions, to develop and share the research in this Guidebook. We want to extend our gratitude to Affinity Credit Union, Alterna Savings and Credit Union, Assiniboine Credit Union, Conexus Credit Union, DUCA Financial Services Credit Union, Libro Credit Union, Mennonite Savings & Credit Union, Meridian Credit Union, Servus Credit Union and Vancity Credit Union for their support and contribution to the development of this Guidebook. -
ACTIVE-SUPPLIERS-FOR-CTM.Pdf
123 JUMP LTD 18 WEEK SUPPORT LTD 1ST CALL MOBILITY LTD 20/30LABS LTD 2468 LTD 2GETHER NHS FOUNDATION TRUST 365 HEALTHCARE 3663 (BFS GROUP LTD) 39 ESSEX CHAMBERS LLP 3D FLOORING SUPPLIES LTD 3GS DEVELOPMENT TRUST LTD 3M UNITED KINGDOM PLC 3M UNITEK UK 3PB BARRISTERS 4C STRATEGIES LTD 4IMPRINT 4S INFORMATION SYSTEMS LTD 5 BOROUGHS PARTNERSHIP NHS TRUST A & J M SHEPPARD LTD A & L TAXIS A & LH ENVIRONMENTAL SERVICES LTD A ALGEO LTD A B CARTRIDGES LTD A CLEAN SERVICES LTD A EVANS A MENARINI DIAGNOSTICS LTD A&M BACON LTD A&T PETERSEN LTD A1 BLINDS A1-CBISS LTD AAH PHARMACEUTICALS LTD AARDVARK ENVIRONMENTAL SOLUTIONS LTD AB OPHTHALMIC OPTICIANS AB SCIENTIFIC LTD AB TEST LTD AB UPHOLSTERY ABACARE ABACUS ABATRON LTD ABBER & HEREFORD WINDSCREENS ABBEYFIELD WALES SOCIETY LTD ABBOTT LABORATORIES LTD ABBOTT MEDICAL UK LTD ABBVIE LTD ABCAM LTD ABERCWMBOI R F C ABERCYNON HEALTH CENTRE ABERDARE DEMOLITION ABERDARE FORD ABERFAN & MERTHYR VALE YOUTH & COMMUNITY PROJECT ABERMAD NURSING HOME ABERYSTWYTH PARK LODGE HOTEL ABILIA LTD ABILITY TRANSPORT LTD ABLE CALIBRATION SERVICES LTD ABLE2 UK LTD ABM CATERING FOR LEISURE ABOUT FACE SOLUTIONS ABRAHAM NURSING HOMES LTD ABSOLUTE AROMAS LTD AC COSSOR & SON (SURGICAL) LTD AC TONKS (ORTHOPAEDICS) LTD ACADEMY FOR HEALTHCARE SCIENCE LTD ACADEMY OF MEDICAL EDUCATORS ACADEMYST ACAMH ACAS ACCELERO DIGITAL SOLUTIONS LTD ACCESS COMPUTER CONSULTING PLC ACCESS DIAGNOSTICS TESTS UK ACCESS TRAINING (WALES) LTD ACCESSIBLE CARING TRANSPORT ACCIDENT & EMERGENCY AGENCY LTD ACCO SERVICE DIVISION ACCOMPLISH GROUP LTD ACCOMPLISH GROUP -
Alterna Savings and Credit Union Ltd. 842 Brunswick Cr
SECTION I NUMERIC LIST MEMBERS / LISTE NUMÉRIQUE DES MEMBRES 1 ALTERNA SAVINGS AND CREDIT UNION LTD. 842 Routing Numbers / Numéros d'acheminement Electronic Paper(MICR) Électronique Papier(MICR) Postal Address - Addresse postale 084200646 00646-842 ALTERNA SAVINGS AND CREDIT UNION LTD, Westboro Branch, 319 McRae Avenue, Ottawa, ON K1Z 0B9 BRUNSWICK CR. UNION FEDERATION LTD. 849 Routing Numbers / Numéros d'acheminement Electronic Paper(MICR) Électronique Papier(MICR) Postal Address - Addresse postale 084907964 07964-849 BCUF-STABILIZATION BOARD, 421 CHARLES LUTES ROAD, Lutes Mountain, NB E1G 2T5 084917054 17054-849 ADVANCE SAVINGS CREDIT UNION, 141 Weldon St., P.O. Box 92, Moncton, NB E1C 8R9 084917104 17104-849 New Brunswick Teachers' Association, 2-153 Harvey Road, McAdam, NB E6J 1A1 084917294 17294-849 BAYVIEW CREDIT UNION (WEST) LTD, West Branch, 46 Main Street, 46 Main Street West, Saint John, NB E2M 3N1 084917344 17344-849 PROGRESSIVE CREDIT UNION, 106 Richmond Street, Unit 1, P.O. Box 55, Woodstock, NB E7M 2N9 084927004 27004-849 ATLANTIC CENTRAL, 663 Pinewood Road, P.O. Box 1025, Riverview, NB E1B 5R6 084927384 27384-849 ADVANCE SAVINGS CREDIT UNION (PPT), 960 St. George Blvd., Moncton, NB E1E 3Y3 084937094 37094-849 BEAUBEAR CREDIT UNION, 376 Water Street, P.O. Box 764, Miramichi, NB E1V 3V4 084937664 37664-849 BAYVIEW CREDIT UNION, Administration & Executive, 57 King Street, Saint John, NB E2L 1G5 084947184 47184-849 BEAUBEAR CREDIT UNION, 202 Pleasant Street, P.O. Box 764, Miramichi, NB E1V 3V4 084957084 57084-849 THE CREDIT UNION LTD, 422 William Street, Dalhousie, NB E8C 2X2 084957134 57134-849 BLACKVILLE CREDIT UNION, 128 Main Street, Blackville, NB E9B 1P1 084957324 57324-849 ADVANCE SAVINGS CREDIT UNION, Advance Savings Credit Union, 47 Main Street, Petitcodiac, NB E4Z 4L9 084967034 67034-849 BAYVIEW CREDIT UNION LTD, Westmorland Roadbranch, 550 Main Street, Hampton, NB E5N 6C3 084967174 07013-839 OMISTA CREDIT UNION, 494 Queen Street, P.O. -
Past Best Employers
2017 List of the Aon Best Employers in Canada Organization Organization Aecon Group Inc.* Gowling WLG (Canada) LLP* Allstate Insurance Company of Canada* Intact Financial Corporation ATB Financial* Keg Restaurants Ltd.* Banque Nationale (BN)* Libro Credit Union BBA Inc.* Loyalty One, Co.* Bennett Jones LLP* Maritime Travel* Birchwood Automotive Group* Marriott Hotels of Canada* Brookfield Residential Properties Inc. MNP LLP* Canadian Apartment Properties Real Estate Investment Trust (CAPREIT) Mouvement Desjardins* CIMA+ Partenaire de génie* OpenRoad Auto Group Ltd.* Cintas Canada Limited* PCL Constructors Inc.* Clark Builders* Polygon Security Inc. (Viking, Fireflex, SCS) Colliers International Purdys Chocolatier* Cossette Communications Inc. SAP Canada Inc.* Davis Automotive Group Ltd.* Skyline Group of Companies Dilawri CROWN Auto Group Stikeman Elliott LLP* Edward Jones* TD Bank Group* EllisDon Corporation* The Co-operators* Equitable Bank Farm Credit Canada* Federal Express Canada Ltd.* *Companies who have been on the list for five years or more 2016 List of the Aon Best Employers in Canada Organization Organization Aecon Group Inc.* Intact Financial Corporation Allstate Insurance Company of Canada Keg Restaurants Ltd.* ATB Financial* Keyera Corp. Banque Nationale (BN)* La Coop fédérée BCAA* Libro Credit Union Bennett Jones LLP* LoyaltyOne, Co* Birchwood Automotive Group* Lush Fresh Handmade Cosmetics* Canadian Apartment Properties Real Estate Investment Trust Maritime Travel* Chubb Insurance Company of Canada* Marriott International* -
In January 1978 Kesho Systems Began Trading with the Express
In January 1978 Kesho Systems began trading with the express purpose of developing and providing powerful, flexible, state of the art software for accountants in practice by utilising the sophisticated features of emerging micro-computer technology. The philosophy, which led to this decision, was two fold. First, it seemed sensible to target a respectable, professional market, which recognised the benefits of computerised accounting. Secondly it was evident that, by creating and maintaining a reputation for high quality software and unparalleled support within the chartered accountancy profession, the company would benefit from recommendations to design and supply software to the client companies of its accountant users. With the main emphasis being devoted to customer satisfaction through support and enhancements the original philosophy proved to be very successful and has led to continued growth. Indeed, many of the company’s clients have enjoyed a mutually beneficial relationship through three and four generation of computer systems spanning some twenty years. Kesho is proud to have always been at the leading edge of technology and when IBM launched the Personal Computer, the company was awarded the, much coveted, IBM authorisation. It was during this time that Kesho first gained an interest in the accounting functions of Credit Unions. In 1987, following a comprehensive feasibility study and details systems specification, Kesho launched CUMAS, the credit union management and accounting systems which dominated the UK market for a decade. However, between 1990 and 1997, contractual constrains prevented Kesho’s involvement, although, by popular demand Kesho did provide support and enhancements from 1995 to keep the system alive. -
2021 WORKBOOK Table of Contents 7Th Annual General Meeting April 17, 2021 Page 1 AGM Workbook
AGM2021 WORKBOOK Table of Contents 7th Annual General Meeting April 17, 2021 Page 1 AGM Workbook Table of Contents Be Libro .................................................................................................................................................... 2 Agenda ...................................................................................................................................................... 3 Notes to the Agenda................................................................................................................................. 4 Minutes of the Last Annual General Meeting .................................................................................... 5 – 9 Report on Business Arising from the Minutes ....................................................................................... 10 Report of the Board of Directors ................................................................................................... 11 – 13 Report of the Board Committees .................................................................................................. 14 – 17 Audit and Finance Committee .................................................................................................. 14 People and Culture Committee ................................................................................................ 15 Risk and Credit Committee ....................................................................................................... 16 Director Recruitment Sub-Committee -
6941 Credit Union News Dec 2012 6638 Credit Union News
Vol. 14 No. 3 December 2012 Members Matter Most in Manchester See page 9 Bristol Credit Union helps launch the Bristol Pound Page 4 Learning from the Maine CU League Page 11 London Mutual introduces payday loans Page 12 Members’ Newsletter Supported By: EDITORIAL Innovation and Welcome expansion THIS EDITION of Credit Union News reveals some of the early innovation that is being introduced to the sector because of the relaxation of legislation at the beginning of 2012. Slowly but surely, credit unions are expanding their common bonds to bring new people into membership and opening up services to businesses, social enterprises and community groups. This is particularly evident in Bristol, where the credit union is the hub of a new ‘currency’ for the city, encouraging local people to use local businesses and getting money circulating in the community. The sixth co-operative principle of ‘co-operation Manchester Chapter who have worked so hard to among co-operatives’ is being put further into document the beginnings of the credit union action by The Co-operative Credit Union, which has movement. After a successful launch for now been able to extend membership to International Credit Union Day, at the People’s employees of other co-operative organisations. I’m History Museum in Manchester, the portable particularly pleased exhibition will be in that this has allowed demand at credit it to bring ABCUL back union events around into the fold, which As a member of the country and is well means that all our worth a visit. staff can now benefit the World Council of As we work together from saving through ‘‘ to provide more payroll deduction to Credit Unions, we very products to more the credit union. -
Breaking Through to the Future a Research Study Into the the Strategic Development of Credit Unions in Britain, 1998 - 2008
Written by Paul A Jones Research Unit for Financial Inclusion, Liverpool John Moores University Breaking through In collaboration with the Association of British Credit Unions Ltd to the future The research report is funded and supported by:- The strategic development of credit The Co-operative Bank p.l.c. P.O. Box 101 unions in Britain, 1998 – 2008 1 Balloon Street Manchester M60 4EP www.co-operativebank.co.uk Consultation on the report th is open until Jan. 15 , 2009. Draft consultative report It will then be published in its final form in the Spring. Produced for: Please send comments to THE NORTHERN FINANCIAL Paul A Jones [email protected] INCLUSION CONFERENCE www.ljmu.ac.uk/HEA/financialinclusion/ ACC, Liverpool 4TH December 2008 For consultation with the sector Breaking through to the future A research study into the the strategic development of credit unions in Britain, 1998 - 2008 Paul A Jones Research Unit for Financial Inclusion Faculty of Health and Applied Social Sciences Liverpool John Moores University 4th December 2008 Published by the Faculty of Health and Applied Social Sciences , LJMU © Faculty of Health and Applied Social Sciences , LJMU, 2008 ISBN British Library Cataloguing in Publication Data A catalogue record for this report is available from the British Library This research report is funded and supported by:- The Co-operative Bank p.l.c. P.O. Box 101 1 Balloon Street Manchester M60 4EP www.co-operativebank.co.uk 1 Breaking through to the future A research study into the the strategic development of credit unions in Britain, 1998 - 2008 Contents Preface to the Interim Conference edition Acknowledgements Executive Summary 1. -
A Guide to Canada Emergency Business Account (CEBA)
A Guide to Canada Emergency Business Account (CEBA) Overview: Originally launched on April 9, 2020, CEBA is intended to support businesses by providing financing for their expenses that cannot be avoided or deferred as they take steps to safely navigate a period of shutdown, thereby helping to position businesses for successful relaunch when the economy reopens. This $55 billion program provides interest-free loans of up to $40,000 to small businesses and not-for-profits. Repaying the balance of the loan on or before December 31, 2022 will result in loan forgiveness of 25 percent (up to $10,000). As of June 26, 2020, businesses eligible for CEBA now include owner-operated small businesses that do not have a payroll, sole proprietors receiving business income directly, as well as family-owned corporations remunerating in the form of dividends rather than payroll. This means that more small businesses can access it. Applicants with $20,000 or less in payroll in 2019 will have to demonstrate having Eligible Non-Deferrable Expenses between Cdn.$40,000 and Cdn.$1,500,000 in 2020. Expenses are considered “Eligible Non-Deferrable Expenses” if they were already incurred in January and/or February 2020, or are due to a legal or contractual obligation as at March 1 and cannot be avoided or deferred beyond 2020 even during a period of shut down and depressed revenues as a result of COVID. CEBA is not intended to provide income support, or support for variable operating expenses to businesses. CEBA applicants agree that the government may conduct audits to confirm the nature of the expenses applicants use to establish their eligibility for CEBA, and acknowledge that inaccuracies may lead to legal consequences. -
How to Pay the CRA
Stern Cohen LLP 45 St. Clair Avenue West, 14th Floor Chartered Professional Accountants Toronto ON M4V 1L3 Chartered Accountants T. 416-967-5100 Licensed Public Accountants F. 416-967-4372 Business Advisors www.sterncohen.com How To Pay the CRA If you have a balance owing to the Canada Revenue Agency (CRA), we recommend that you pay electronically. For your convenience, here is a “How To” guide outlining two online payment options available to you. Option 1: Online banking Sign in to your financial institution's online banking service. Under add a (bill) payee, look for CRA (revenue)-(2014)-tax owing. Be sure to enter your account number (your social insurance number) carefully to avoid a lost or misapplied payment. The payment may take two to three days to be processed so make your payment in advance to ensure timely receipt. Some financial institutions (specifically those outside the Big Five Canadian banks) may not support online payments. We recommend checking to see if you can add the CRA as a bill payee in advance to confirm that your financial institution supports the service. Option 2: Debit card - Interac® Online (My Payment) Use the CRA's My Payment service to pay with your debit card through Interac® Online. Only BMO, Scotiabank, RBC, TD, Envision Financial, and Libro Credit Union support the My Payment function Remember: Your transaction total is subject to your daily or weekly limit as determined by your financial institution. Final Thoughts and CRA Late Filing Penalty Reminders If your personal income tax return is filed late (even by a day) you’ll automatically be assessed a 5% penalty on the balance owing. -
Social Purpose Credit Union Self-Assessment
SOCIAL PURPOSE CREDIT UNION SELF-ASSESSMENT 2017 Credit unions are formalizing and focusing their ‘social purpose’ to better meet member needs, play a stronger role in fostering resilient and co-operative communities and grow their businesses. This tool was developed to help them in that effort. Using the language of corporate social responsibility (CSR), it guides credit unions through a process of considering the purpose and focus of their social role – which includes the environment and extends beyond traditional banking and co-operative roles. This tool was first commissioned by Libro Credit Union, based in Ontario, Canada, to assist them in their strategic planning. Libro engaged Coro Strandberg, President of Strandberg Consulting, to draft the tool based on best practices in social purpose in financial institutions and consultation with “CSR” and values- based banking practitioners in the Canadian credit union system. It also incorporates leading corporate practices from outside the financial services sector. University Federal Credit Union, based in Texas, US, subsequently engaged Coro Strandberg to update the tool to reflect best practices in the United States and globally. The Social Purpose Credit Union Self-Assessment is designed to assist in credit union strategic planning. It is a four-stage checklist of best, leading and next practices in CSR, social purpose and values-based banking in seven areas: governance, members, employees, community, environment, suppliers and business partners and the co-operative sector. Author: Coro Strandberg is a leading sustainability and corporate responsibility consultant, with over 25 years of experience advising credit unions and other companies on the design and implementation of community investment, CSR, and social purpose business models and strategies. -
List of Authorised Credit Unions As at 1 July.Xlsx
LIST OF UK AUTHORISED CREDIT UNIONS AS COMPILED BY THE BANK OF ENGLAND AS AT 1 JULY 2020 FRN Firm 228296 1st Alliance (Ayrshire) Credit Union Limited 213700 1st Class Credit Union Limited 213893 2 Shires Credit Union Limited 419396 6 Towns Credit Union Limited 575635 Abbey Credit Union Limited 576289 A-B-C Credit Union Limited 213693 Abronhill Credit Union Limited 213228 Advance Credit Union Limited 574426 Aghaloo Credit Union Limited 213641 All Flintshire Credit Union Limited 573849 Annahoe Credit Union limited 574005 Antrim Credit Union Limited 574622 Ardboe Credit Union Limited 573925 Armagh Credit Union Limited 573342 Avila Credit Union Limited 213683 Ayrshire Credit Union Limited 213640 B C D Credit Union Limited 213396 Bacup (Lancashire) Credit Union Limited 213428 BAG Credit Union Limited 213957 Baillieston Credit Union Limited 213873 Bakers Food and Allied Workers' Credit Union Limited 574313 Ballinascreen Credit Union Limited 574624 Ballinderry Bridge Credit Union Limited 573851 Ballycastle Credit Union Limited 574315 Ballyhackamore Credit Union Limited 573987 Ballykelly Credit Union Limited 576500 Ballymacash Credit Union Limited 574110 Ballymena Credit Union Limited 573790 Ballynafeigh Credit Union Limited 573803 Ballynahinch Credit Union Limited 574100 Banbridge Credit Union Limited 573846 Bangor Credit Union Limited * 576003 Bannvale Credit Union Limited 574098 Bannview Community Credit Union Limited 582921 Barrow & District Credit Union Ltd 213229 Basildon Credit Union Limited 577241 BDS Credit Union Limited 213900 Bedford