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Responsible Banking Responsible Banking 2019 ANNUAL REPORT Contents Board President Message .................................................................................................................................................................................2 2019 Board Members ..........................................................................................................................................................................................3 CEO Message ...........................................................................................................................................................................................................4 2019 Executive Team ...........................................................................................................................................................................................5 Product and Service Enhancements .........................................................................................................................................................6 Acknowledgements and Accomplishments .......................................................................................................................................7 Community Donations ......................................................................................................................................................................................8 Our Company ..........................................................................................................................................................................................................9 Co-operative Principles ................................................................................................................................................................................... 10 Measuring Performance ................................................................................................................................................................................. 11 Member First / Vision/Values/Mission/Purpose ............................................................................................................................... 12 Credit Union Deposit Guarantee Corporation Message ............................................................................................................ 13 Social Responsibility and Innovation Credit Union ....................................................................................................................... 15 Corporate Structure and Governance ................................................................................................................................................... 25 Management Discussion and Analysis ................................................................................................................................................. 52 Consolidated Financial Statement ........................................................................................................................................................... 96 1 A message from your Board President I always like to start my message with a thank you to We are honored and our members; the reason we are here. 2019 was another humbled to be named an outstanding year because of you. Your business has given Employee Recommended us the opportunity to give back to the communities you live Workplace, a Best in, provide exceptional rates, offer accounts with no fees, Employer of Canada, and pay over $32 million in Member Rewards back to our a Caring Company, membership over the past 12 years. On behalf of the board, and a Saskatchewan management, and staff, thank you for your business. Top Company in 2019. Your feedback and opinions regarding our products and We are very fortunate service levels are of the utmost importance. Please reach to enjoy the loyalty of out to us with the good and the bad. You can be assured our membership that that your feedback is top of mind when we make decisions continues to contribute to relating to service delivery to the membership. Our purpose is our success. to simplify your life and help you to reach your financial goals. Thank you to my fellow It is our pleasure to live by a Responsible Banking philosophy. board members for their It seems every year I speak to the changes and opportunities dedication to Innovation we face as a credit union. It gives me and my fellow board Credit Union and their members great pride in knowing Innovation’s staff and support over the past management work so diligently to provide best in class year. We look forward to products and service to you amid this constant change. the coming year with We see their dedication to you and the initiative they show anticipation of being everyday to fulfill your banking needs. They’re the face of our closer to becoming a organization and we cannot thank them enough. federal credit union headquartered right here The speed of change within the financial services industry in Saskatchewan, that is staggering, making staff, management, and board will allow us to live our training so imperative. Each board member has a three-year mission to provide world development plan, attends a minimum of two training and class financial services development days each year along with additional courses wherever you are and that continue to enhance our governance skill set. whenever you need us. We continue to be a leader and are involved in the provincial and Canadian credit union systems, with many of our management team and board members participating in Sincerely, various initiatives and collaboration opportunities. Our journey to become a federally regulated credit union is still a top priority. We received the required signatures at the Bruce Sack Provincial level and are working closely with the Office of the Board President Superintendent of Financial Institutions to obtain the final signatures toward continuance. 2 2019 Innovation Credit Union Board of Directors Bruce Sack Russ Siemens Mike Davis Joan Baer Jerome Bru President 1st Vice President 2nd Vice President Ian Hamilton Gwen Humphrey Murali Krishnan Gord Lightfoot Michele Wilde We strive to bankingredefine by helping Canadians their lives and reach simplifytheir financial goals by reinvesting profits into our members, our communities, and our people. Now that’s Responsible Banking! Karen Yurko Bryon Zanyk 3 A message from your Chief Executive Officer Evidence is conclusive that future members. We will continue to be responsive, mobile organizations that have a and provide guidance through advice. compelling purpose beyond Innovation continues to integrate our delivery system making a profit helps business and business processes through enabling technology survive and thrive. I believe that automates workflows resulting in a more efficient that our Responsible and effective member experience. We will ensure that a Banking mandate robust enterprise data warehouse and integrated systems and living up to our environment is available to all employees to ensure they purpose will ensure can maximize the value they deliver to both internal and that Innovation Credit external members. Union continues to meet the needs of As we continually refine our business model to ensure the Canadians today and credit union is viable and relevant long-term, we will align for future generations. our financial structure with Global Financial Standards and the appropriate risk culture to ensure that we are prepared Our people are the to compete with global competitors. performance drivers for the successful In conclusion, we are at the juncture of an exciting completion of our period, as we are decisively taking control of our future high-level strategies. by becoming the first federally regulated credit union Through coaching, we headquartered in Saskatchewan. As a federal credit union, engage and develop our we will be able to continue to grow and diversify which employees to maintain an provides us the flexibility to embrace the disruption in our inspired and passionate industry. culture of high performance that embraces both disruption and digital methodology in these transformational times. Our team’s MemberFirst Daniel Johnson, CEO focus creates a world class member service experience by understanding and anticipating the needs of our current and 4 2019 Innovation Credit Union Executive Team Sheldon Hess Brad Appel Dean Gagne Kent Jesse Ian McArthur Chief Financial Officer Chief Risk Officer Chief Disruption Officer Chief Innovation and Chief People and Strategy Officer Governance Officer Innovation Credit Union strives to be the most responsive and innovative financial services organization. We look to continuously improve our internal operations and enhance the member experience you have with us each day. We explore new methods of serving you better through the adoption of technology, listening to how and when you would like to conduct your business. Our mission is to provide world class financial services wherever you are and whenever you Cary Ransome need us. Our staff members are actively engaged with our membership and each other, Chief Retail and providing a culture of collaboration. Operations Officer We believe in community. Part of creating exceptional value is giving back to the communities we serve to ensure they prosper. We are financially strong, maintaining sound business practices and efficient levels of risk for long-term sustainability. We are dedicated
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