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Analysis of Canada's Largest Credit Unions

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Analysis of Canada's Largest Credit Unions 2012 Analysis of Canada’s Largest Credit Unions For the period ending December 31, 2012 Prepared by: Bob Leshchyshen, MBA, CFA October 2013 Analysis of Canada’s Largest Credit Unions in Canada Table of Contents Table of Contents…………………………………………………………………………………………………………………………………1 Introduction…………………………………………………………………………………………………………………………………………2 Executive Summary……………………………………………………………………………………………………………………………..4 Continued Strong Economic Growth in Canada…………………………………………………………………………………..6 Lending Activity – Residential Mortgages……………………………………………………………………………………… 8 Housing Market in Canada………………… …………………………………………………………………………………………11 Lending Activity - Consumer Credit…………………………………………..………………………………………………..….17 Canadian Credit Union System……………………………………………………………………………………..…………….… 21 Membership………………………………………………………………………………………………………………………………….25 Consolidation of Credit Unions……………………………………………………………………………………………………..26 Branch Network…………………………………………………………………………………………………………………………….26 Assets…………………………………………………………………………………………………………………………………………….27 Deposits and Savingss…………………………………………………………………………………………………………………….29 Loans……………………………………………………………………………………………………………………………………………..31 Overview of Credit Union System: Canada vs. United States……………………………………………………………..32 Credit Unions’ participation in the Brokerage Industry……………………………………………………………………….38 On-Line Deposit Taking Institutions…………………………………………………………………………………………………….51 Proposed Federal Credit Union Legislation………………………………………………………………………………………….56 Assets under Management………………………………………………………………………………………………………………….59 Recent Breakdown of Credit Unions by Auditors…………………………………………………………………………………65 APPENDIX I - LARGEST CREDIT UNIONS IN CANADA - TABLES………………………………………………………………70 BOB LESHCHYSHEN'S PROFILE……………………………………………………………………………………………………………232 Bob Leshchyshen, MBA, CFA 2012 Credit Union Report Page 1 Analysis of Canada’s Largest Credit Unions in Canada Introduction Thank you for purchasing or ordering my 2012 “Analysis of the Canada’s Largest Credit Unions” report. This statistical report provides the reader with financial competitive analysis on 125 of the largest credit unions in Canada (with assets in excess of $100 million). Last year, I had provided financial information on 115 credit unions in my final report. More credit unions have been willing to disclose their financial results and are posting them on their websites. However, I was unable to obtain the financial statements from the following thirteen (13) credit unions (each with assets in excess of $100 million): 1 Pincher Creek Pincher Creek Alberta 2 OMISTA Moncton New Brunswick 3 PACE Savings Vaughan Ontario 4 St. Stanislaus-St. Casmir's Polish Parishes Toronto Ontario 5 Momentum Hamilton Ontario 6 Northern Lights Thunder Bay Ontario 7 Hamilton Municpal Employees' Hamilton Ontario 8 Kingston Kingston Ontario 9 Saugeen Saugeen Ontario 10 Unigasco Community Chatham Ontario 11 Southwest Regional Sarnia Ontario 12 Auto Workers Community Oshawa Ontario 13 Metro Charlottetown PEI I was only able to obtained condensed or summary financial statements for the following twenty two (22) credit unions. You will note that each of these credit union’s names are in bold and have an * after their name, which designates that only limited information was available for those credit unions. Although 22 credit unions or 17.6% of the largest credit unions in Canada only provide summary condensed information, in total they represent only 3.6% of the total assets of the largest credit unions in Canada. Bob Leshchyshen, MBA, CFA 2012 Credit Union Report Page 2 Analysis of Canada’s Largest Credit Unions in Canada The following have only condensed summary information included in my report: Summary Statements ($Mils) Name of credit union Location Province Assets 1 Your Neighbourhood * Waterloo Ontario 726 2 Vanguard* Rossburn Manitoba 357 3 North Peace Savings* Fort St. John British Columbia 317 4 Sharons* Vancouver British Columbia 241 5 Swan Valley* Swan River Manitoba 233 6 The Police* Toronto Ontario 229 7 Crossroads* Canora Saskatchewan 216 8 Parama Lithuanian* Toronto Ontario 215 9 Prosperity One* Milton Ontario 205 10 Plainsview* Kipling Saskatchewan 204 11 Motor City Community* Windsor Ontario 204 12 Lambton Financial* Sarnia Ontario 200 13 Williams Lake and District* Williams Lake British Columbia 195 14 Oakbank* Oak Bank Manitoba 190 15 Communication Technologies* Toronto Ontario 181 16 Revelstoke* Revelstoke British Columbia 163 17 Momentum* Hamilton Ontario 160 18 Healthcare & Municipal Employees'* Hamilton Ontario 159 19 Education* Kitchener Ontario 159 20 Ontario Provincial Police* Barrie Ontario 149 21 Biggar & District* Biggar Saskatchewan 146 22 Ontario Civil Service* Toronto Ontario 144 Total 4,993 Total assets (125 credit unions) 138,150 Summary statements as a % of assets 3.6% I would like to thank the CEOs and CFOs of the credit unions, who have supported this research effort over the last ten years by providing their financial statement information and for purchasing this report. Should you find errors or omissions with respect to your credit union’s numbers please feel to contact me. I will endeavour make any corrections. Bob Leshchyshen, MBA, CFA 2012 Credit Union Report Page 3 Analysis of Canada’s Largest Credit Unions in Canada Executive Summary The 2012 report includes 125 credit unions compared to 115 credit unions last year. The 125 credit unions represent 90.3% of the total movement’s assets compared to 90.5% in the previous year. The credit union system membership (not including the Caisses Populiares) has increased by 166,241 to 4,490,830 in 2012. The continued consolidation of the movement* has resulted in the 10 largest credit unions accumulating assets of $73.5 billion representing 48.6% of total assets of the movement compared to $67.8 billion or 48.0% of the movement in the previous year. The 10 largest credit unions grew at 8.4% which is a slightly faster rate than the largest credit union’s growth of 8.1% and faster than the total movement’s growth of 7.1%. The 125 largest credit unions saw their assets grow by 8.1% in 2012 to $138.2 billion compared $127.9 billion in 2011. These 125 credit unions grew by 11.2% in the previous year. The total movement’s assets increased by 7.1% in 2012 to $297.7 billion compared to $277.9 billion in the previous year. The assets grew by 8.7% in the previous year. [see page 27] The number of credit unions in the total system declined by 83 credit unions primarily due to mergers and amalgamations from 826 in 2011 to 743 in 2012. [see page 25] While, the number of branches decreased from 3,162 in 2011 to 3,031 in 2012, a decline of 131 branches. This is third year in row that the number of branches has declined. [see page 26] The total movement’s loans increased from $247.5 billion in 2011 to $228.4 billion in 2012, an increase of 8.4% compared to 7.7% in the previous year. [see page 31] The largest credit union’s insured mortgage loan portfolio (only 51 credit unions reported these figures) , stood at $6.4 billion representing 33.2% of the residential mortgage portfolio compared to 51.3% for the large Canadian domestic banks. While, deposits of the total movement increased by 6.1% from $229.1 billion in 2011 to $246.9 billion in 2012, compared to an increase of 7.8% in the previous year. [see page 29] Bob Leshchyshen, MBA, CFA 2012 Credit Union Report Page 4 Analysis of Canada’s Largest Credit Unions in Canada Despite the troubles in the Canadian economy in 2012, the credit quality of the movement’s loan portfolio (as represented by the largest credit unions) remains very favourable. The allowance as a percentage of gross loans for the 125 largest credit unions decreased from 0.39% in 2011 to 0.35% in 2012. The gross impaired loans as a percentage of total loans for the largest credit unions decreased to 0.59% compared to 0.76% in the previous year. The near historical low interest rates , resulting in strong pressure on net interest margins resulted in the largest credit unions experienced a lower level of profitability in 2012. The return on assets (ROA) decrease from 0.64% in 2011 to 0.55% in 2012, primarily due to reduced net interest margin as a 5 of average assets (from 2.54% in 2011 to 2.36% in 2012) and lower other (investment) income as a % of average assets ( from 0.85% in 2011 to 0.74% in 2012). The decline in net interest margin was partially offset by decline in operating expenses as a % of average assets from 2.55% in 2011 to 2.37% in 2012. The productivity expense ratio (operating expenses as a % of total operating revenue) increased to 76.4% in 2012 compared to 75.2% in 2011. Credit unions rely on profitability to grow their capital. The majority of the movement’s total capital is in retained earnings. Capital ratios are affected by balance sheet growth, risk-weighting of growth, and profitability. The movement retains a portion of its annual income to satisfy its capital plans. The remainder of the net earnings are allocated to its members through the movement’s patronage program. The movement returned $164.9 million to its members by way of patronage payments, which represented 22.4% of its net income in 2012 compared to 22.4% in the previous year. Total capital stood at $9.2 billion, which represented 6.67% of its assets compared to 6.65% in 2011. The movement had a total BIS risk adjusted ratio of 12.79% compared to 12.99% in the previous year. *Definition: “movement*” or” system*” in this report does not include the financial results of caisses
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