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Analysis of Canada's Largest Credit Unions

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2016 50 Analysis of Canada’s Table of Contents Largest Credit Table of Contents…………………………………………………………………………………………………………………………………1 Introduction…………………………………………………………………………………………………………………………………………2Unions Executive Summary……………………………………………………………………………………………………………………………..4 Economic Growth in Canada Remained Steady……………………………………………………………….…………………..6 Lending Activity – Residential Mortgages………………………………………………………………………..……………… 8 Housing Market in Canada………………… ……………………………………………………………………..……………………10 Lending Activity - Consumer Credit…………………………………………..………………………………..………………..….15 Canadian Credit Union System……………………………………………………………………………………..……..….…….… . 19 Membership…………………………………………………………………………………………………………………………………….19 For the period ending Consolidation of Credit Unions………………………………………………………………………………………………….……..23 Branch Network…………………………………………………………………………………………………………………….………….24December 31, 2016 Assets……………………………………………………………………………………………………………………………………………….25 Deposits and Savingss……………………………………………………………………………………………………………………….27 Loans………………………………………………………………………………………………………………………………………………. .29 Overview of Credit Union System: Canada vs. United States…………………………………………………………… ..30 Credit Unions’ participation in the Brokerage Industry………………………………………………………………………….35 Prepared by: On-Line Deposit Taking Institutions……………………………………………………………………………………..……………....53 Canada's Top 100 Employers…………………………………………………………………………………………………………………58Bob Leshchyshen, MBA, CFA Comparison of Domestic Banks vs Largest Credit Unions in Canada………………………………………………………65 Assets under Management……………………………………………………………………………………………………………………86 Recent Breakdown of Credit Unions by Auditors………………………………………………………………………………..…88August 2017 Ranking of the Largest Credit Unions by Asset growth, ROA and Capital Ratios…………………………………….93 APPENDIX I - LARGEST CREDIT UNIONS IN CANADA - COMPARATIVE TABLES………………………………………113 Analysis of Canada’s Largest Credit Unions in Canada Table of Contents Introduction…………………………………………………………………………………………………………………………………………….2 Executive Summary ……………………….……………………………………………………………………………………………………….4 Economic Growth in Canada Remained Steady.……………………………………..……………………………………………….6 Lending Activity – Residential Mortgages………..……………………………………..……………………………………………….9 Housing Market in Canada – Driving Mortgage Activity.....……………………..…………………………………………….12 Lending Activity – Consumer Credit………………..……………………………………..………………………………………………17 Canadian Credit Union Movement..………………..……………………………………..……………………………………………..20 Overview of Credit Union System: Canada vs United States.…………………..…………………………………………….34 Credit Union’s participation in the Brokerage Industry…………………………..……………………………………………..38 Comparison of Canadian Banks and mid-size Financial institutions to Credit Unions.…………………………….55 Comparison of Smaller Financial Institutions to Credit Unions………………..…………………………………………….80 Assets under Management – Mutual Funds……………….…………………………..……………………………………………..85 FinTech and Credit Unions……………………………………………………………………..……………………………………………..87 Comparative Tables………..……………………………………………………..……………..…………………………………………….107 Bob Leshchyshen, MBA, CFA 2016 Credit Union Report – Largest Credit Unions in Canada Page 1 Analysis of Canada’s Largest Credit Unions in Canada Introduction Thank you for purchasing or ordering my 2016 “Analysis of the Canada’s Largest Credit Unions” report. This statistical report provides the reader with financial competitive analysis on 138 of the largest credit unions in Canada (with assets in excess of $90 million). Last year, I had provided financial information on 141 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 2016 financial statements from the following credit unions (each with assets in excess of $85 million) at this time: Name of Credit Union Location Province 1 Beautiful Plains Neepawa Manitoba 2 Columbia Valley Golden British Columbia 3 Encompass Wainwright Alberta 4 Equity Ajax Ontario 5 Estonian Toronto Ontario 6 Quinte First Belleville Ontario I was only able to obtained condensed or summary financial statements for the following thirty three 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. The following credit unions have only condensed summary information included in my report: Bob Leshchyshen, MBA, CFA 2016 Credit Union Report – Largest Credit Unions in Canada Page 2 Analysis of Canada’s Largest Credit Unions in Canada Name of Credit Union Location Province 1 Aldergrove* Aldergrove British Columbia 2 Austin [merger]* Winnipeg Manitoba 3 Comtech Fire [merger]* Toronto Ontario 4 Copperfin* Kenora Ontario 5 Crossroads* Canora Saskatchewan 6 Eagle River* L'Anse au Loop Newfoundland 7 Education* Kitchener Ontario 8 Foam Lake Savings* Foam Lake Saskatchewan 9 Ganaraska Financial* Port Hope Ontario 10 Khalsa* Surrey British Columbia 11 Leading Edge* Grand Bay East Newfoundland 12 Luminus Financial (formerly Starnews)* Toronto Ontario 13 Member Savings* Toronto Ontario 14 North Peace Savings* Fort St. John British Columbia 15 Oakbank* Oak Bank Manitoba 16 Ontario Provincial Police* Barrie Ontario 17 Oshawa Community* Toronto Ontario 18 Parama Lithuanian* Toronto Ontario 19 Plainsview* Kipling Saskatchewan 20 Portage [merger ]* Portage La Prairie Manitoba 21 Rapport* Toronto Ontario 22 Resurrection* Toronto Ontario 23 Southwest Regional* Sarnia Ontario 24 Strathclair* Strathclair Manitoba 25 The Police* Toronto Ontario 26 VP* Vancouver British Columbia 27 Williams Lake and District* Williams Lake British Columbia 28 Windsor Family* Windsor Ontario 29 Your Neighbourhood [merger]* Kitchener Ontario I would like to thank the CEOs and CFOs of the credit unions, who have supported this research effort over the last fourteen years by providing their financial statement information and for purchasing this report. I am hopeful that in the next few weeks I will receive some of the reports that I am missing and some audited statements for those credit unions, which only posted summary statements on their website. 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 2016 Credit Union Report – Largest Credit Unions in Canada Page 3 Analysis of Canada’s Largest Credit Unions in Canada Executive Summary The 2016 final report includes 147 credit unions compared to 141 credit unions in the final report last year. The 147 credit unions represent 95.3% of the total movement’s assets compared to 94.8% in the previous year. The credit union system membership (not including the Caisses Populaires) has increased by 25,414 members to 5,370,306 in 2016, compared to an increase of 40,440 members in the previous year. The membership had increased in the [2013-2011] period after showing small decreases in 2010 and 2009. The membership of largest credit unions in my study represent approximately 92.1% of the total membership. The continued consolidation of the movement* has resulted in the 10 largest credit unions accumulating assets of $98.7 billion representing 50.0% of total assets of the movement compared to $90.9 billion or 49.9% of the movement in the previous year. The 10 largest credit union’s assets grew at 8.6% which was similar to the largest credit union’s growth of 8.7% and greater than the total movement’s growth of 8.2%. The asset growth of the 147 largest credit unions in 2016 was 8.7% compared to 9.7% in the previous year. The growth of the movement’s assets was 8.2% in 2016 compared to 7.4% in the previous year. The number of credit unions in the system declined by 21 credit unions primarily due to mergers and amalgamations from 292 in 2015 to 271 in 2016. While, the number of branches decreased from 1,747 in 2015 to 1,731 in 2016. The movement’s loans increased from $153.0 billion in 2015 to $165.6 billion in 2016, an increase of 8.2% compared to 5.7% in the previous year. The largest credit union’s insured mortgage loan portfolio (only 60 credit unions reported these figures), stood at $15.1 billion representing 32.1% of the residential mortgage portfolio compared to 49.7% for the large Canadian domestic banks. The credit quality of the movement’s loan portfolio (as represented by the largest credit unions) remains very favourable and improving. The allowance as a percentage of gross Bob Leshchyshen, MBA, CFA 2016 Credit Union Report – Largest Credit Unions in Canada Page 4 Analysis of Canada’s Largest Credit Unions in Canada loans for the 147 largest credit unions was 0.28% in 2016 compared to 0.26% in 2015. The gross impaired loans as a percentage of total loans for the largest credit unions increased slightly to 0.46% compared to 0.43% in the previous year. The allowance ratio has declined for the last six years and the impaired loans ratio has declined in the last five years. The expectation is that there will be at least two increases in interest rates in 2017 and the Canadian economy has been affected by the decreased oil price, which may result in a higher level of loan losses. Despite near historical low interest rates and decreasing operating costs, the largest credit unions experienced a lower level of profitability in 2016. The return on assets (ROA) decreased slightly to 0.46% in 2016 compared to 0.47% in 2015. This is lowest level of profitability in the last
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