DOCSLIB.ORG

ANNUAL REPORT 2020 | MANAGEMENT’S DISCUSSION & ANALYSIS 1 We Are Also Happy to Report That Our Annual Make a Difference Days Went Ahead As Planned in October

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
ANNUAL REPORT 2020 | MANAGEMENT’S DISCUSSION & ANALYSIS 1 We Are Also Happy to Report That Our Annual Make a Difference Days Went Ahead As Planned in October 2020 ANNUAL REPORT MANAGEMENT’S DISCUSSION & ANALYSIS Mutual funds and other securities are offered through Credential Securities and Qtrade Advisor, a division of Credential Qtrade Securities Inc. Credential Securities is a registered mark owned by Aviso Wealth Inc. Mutual funds are offered through Credential Asset Management and Qtrade Asset Management (a tradename of Credential Asset Management Inc). Envision Financial Wealth Management, Valley First Wealth Management and Island Savings Wealth Management are divisions of FW Wealth Management Ltd. which is a wholly owned subsidiary of First West Credit Union. FW Wealth Management Ltd. is a licensed life insurance agency offering financial planning, life insurance and investments. CONTENTS 1. A Message from the Board Chair and the CEO ..............................................1 2. Management’s Discussion and Analysis .......................................................5 3. Disclaimer on Forward-Looking Statements .................................................5 4. Business Profile and Organizational Overview ..............................................6 5. Financial Highlights .....................................................................................12 6. Member, Employee & Community Highlights ...............................................17 7. Economic Review & Outlook .........................................................................23 8. Financial Performance 2020 Overview and Line of Business Review .........24 9. Discussion on Financial Performance .........................................................29 10. Risk Management .........................................................................................42 11. Internal Controls Over Financial Reporting and Disclosures ......................53 12. Critical Accounting Estimates ......................................................................54 13. Future Changes to Accounting Policies ........................................................54 14. Compensation Practice ................................................................................55 1 A MESSAGE FROM THE BOARD CHAIR AND THE CEO CHARACTER MEMBERS CAN COUNT ON “Adversity does not build character, it reveals it.” If this is true—and we believe it is—then 2020 was a year of personal and corporate character coming into plain sight. Just as spring arrived last year, First West Credit Union—along with all of Canada—was plunged into a season of adversity, the likes of which we had not seen in generations. How would we respond in the face of a global pandemic and what would it reveal about the character of our credit union? This question and a multitude of related ones ran through our minds, demanding answers. As we look back one year later, we are proudly able to say that First West responded how we had hoped: thoughtfully, generously and confidently. Our “why”—to simplify lives and help our members and communities thrive—and our co-operative values compel us to stand with and support one another in good times and in difficult times. That is why, when our province began to feel the impact of the pandemic, First West showed up. We were there for our members, employees and community partners. A Helping Hand, However Possible We recognized quickly that difficulties brought on by the pandemic would stretch resources within the charitable sector, which we have proudly partnered with for decades. To help alleviate some of the shortfall, the First West Foundation launched the Community Response Fund in May 2020. The fund provided $500,000 in grants to local charities wrestling with the impacts of COVID-19, especially those focused on food security and basic needs for youth, families and seniors. In total we invested more than $3.4 million in our communities last year. When the challenges of COVID-19 began to emerge, we saw the needs around us and responded with: y Complimentary housing for frontline health care workers in Victoria, Kamloops, Kelowna and Abbotsford y More than $100,000 in responsive funding to local community and healthcare foundations y $500,000 in funding to charitable organizations focused on food security and basic needs for youth, families and seniors impacted by COVID-19 y $481,000 to help charities in our communities address the economic impacts of COVID-19 in their organizations y $110,000 to our signature causes The Full Cupboard and Feed the Valley, which support local food banks What is more, our Get a Meal, Give a Meal campaign provided creative incentives for our members to continue supporting local member businesses and local food banks during public health orders in the summer of 2020. Through the program, we offered members a $25 discount on food purchases of $50 or more at participating member-owned restaurants, while triggering a $5 donation to a local food bank. Our efforts helped to generate more than $70,000 in business for local restaurants and $8,130 for local food banks, a total equivalent to 24,390 meals for those in need. ANNUAL REPORT 2020 | MANAGEMENT’S DISCUSSION & ANALYSIS 1 We are also happy to report that our annual Make a Difference Days went ahead as planned in October. More than 150 volunteer activities were completed by employees who took the opportunity to volunteer 203 hours with charities in our communities, virtually and physically, where approved safety precautions were in place. Making a Way for Members For many years First West’s Board of Directors and senior leadership team has acted according to a firm belief that our members need a well-prepared, prudently managed, operationally agile and financially strong credit union, ready to weather seasons of difficulty. And so, when COVID-19 arrived at Canada’s doorstep, we did not need to pivot, as many organizations did. Instead, we responded from a position of strength and concentrated on accelerating key components of our existing strategy, in order to address our members’ most urgent day-to-day needs. Flexible options for banking services and safe in-person service and advice at branches quickly became paramount, and the significant investments we have made in new technologies in recent years to enhance our banking delivery channels rose to the fore. When our society needed to bank differently to stay safe—and keep others safe—we were ready: y Through online and mobile banking, our Member Advice Centre and THE EXCHANGE® Network of ATMs, we continued to provide day-to-day banking service to members during the most severe phase of public health orders. y We mobilized 50 additional employees for our telephone-and-email-accessible Member Advice Centre and extended its hours of operation. y Within just a few days of B.C. declaring a state of emergency in March 2020, we leveraged our partnerships with industry-leading technology providers to transition many branch and back office employees to serve members securely and safely from home. y We removed deposit holds on tens of thousands of accounts to ensure many of our members had instant access to funds when they deposited cheques at ATMs or with Deposit Anywhere™ on our mobile app. y We accelerated releasing new features in our digital banking platform so members could make deferral payment requests, apply for Canada Emergency Business Account (CEBA) loans or make Canada Revenue Agency direct deposits safely online. y We fast-tracked our e-signing technology for personal and business lending documents to enable members to sign from the safety and comfort of their own homes. y We modified our branches according to health authority directions, for the safety of members and employees. y We made it possible for members facing financial hardship resulting from the pandemic to fast-track their access to our Back On Track program, which provides financial relief in the form of a payment reduction or deferment. y We were among the first credit unions in Canada to offer the federal government’s CEBA to business members facing financial difficulty due to the pandemic. y We partnered quickly with Export Development Canada and the Business Development Bank of Canada to provide small and medium businesses access to additional financial relief. ANNUAL REPORT 2020 | MANAGEMENT’S DISCUSSION & ANALYSIS 2 Our ability to be there for members in these ways and more during times of difficulty is a powerful testament to our size and financial strength. We would be remiss, however, if we failed to acknowledge that we also made the difficult-but-right decision to consolidate five branches, for the continued long-term health of the credit union. We acknowledge these consolidations resulted in a change for some of our members. Even so, we know that by making these changes, we can refocus resources toward new channels, which will help us reach even more British Columbians with the power and possibility of co-operative banking. Added Value Never Taking a Backseat We are extremely proud to say that despite the unusual challenges of 2020, we did not waver from our commitment to continually produce real value that improves our members ever-evolving banking experience. We expanded our digital banking features as we added the ability to open select chequing, savings and term deposit accounts within our online banking platforms and our mobile apps, and rolled out Google Pay™ and Samsung Pay. We also introduced members and potential members to Finley, our artificial intelligence-powered digital assistant, who’s available 24/7 to answer questions and provide guidance on navigating our websites and digital
Load more

Recommended publications
  • Local Employers & Resources
    Updated December 2020 Local Employers & Resources LNG CANADA PROJECT LNG Canada has Talent Community where you can create a profile and upload your resume for work directly with LNG Canada (not for the build of the facility) • Visit lngcanada.ca > career centre > join talent community • Must provide a mobile phone number & have access to email for the confirmation code that will be emailed to you • Upload resume JGC Fluor is the prime contractor for the LNG Canada project. • Visit www.jfjvkitimat.com for job postings with subcontractors with the LNG Canada project. Please follow the application instructions for each job posting carefully. Coastal Gas Link To learn more about potential employment and contracting opportunities, you can connect directly with their prime contractors: Macro Spiecapag Joint Venture – Section 8 Kitimat o Email resume to [email protected] AECON Group Inc. o Email resume to [email protected] Pacific Atlantic Pipeline Construction Inc. o Email resume to [email protected] Surerus Murphy Joint Venture o Visit www.surerus-murphy.com/careers for job opportunities and instructions on how to apply Coastal Gas also posts employment opportunities online at: o www.indeed.ca o https://www.workbc.ca/jobs-careers/find-jobs/jobs WORKFORCE ACCOMODATIONS CIVEO – apply for posted positions only. No general applications. • Visit www.civeo.com > job opportunities > Canada • Create profile, upload resume and supporting documents • APPLY • Complete questionnaire Page 1 of 11 Updated December 2020 Horizon North Workforce Camp • Email your resume to the recruitment inbox to [email protected] • IMPORTANT – include in your subject line your FULL NAME and the COMMUNITY / NATION you belong to and reference job # • In the body of the email clearly state the positions you are most interested in.
    [Show full text]
  • Directory of the Exchange®Atm Locations in Canada
    DIRECTORY OF THE EXCHANGE®ATM LOCATIONS IN CANADA SUMMER 2006 YOUR ATM NETWORK TABLE OF CONTENTS Alberta ......................................................................................................1 British Columbia .......................................................................................2 Manitoba.................................................................................................14 New Brunswick.......................................................................................15 Newfoundland.........................................................................................18 Nova Scotia ............................................................................................20 Ontario....................................................................................................24 Prince Edward Island..............................................................................37 Quebec...................................................................................................39 Saskatchewan ........................................................................................57 DIRECTORY OF ATM LOCATIONS SUMMER 2006 ALBERTA Calgary Canadian Western Bank Citizens Bank of Canada HSBC Bank Canada 6606 MacLeod Trail SW 505 Third St. SW 407-8th Avenue S.W HSBC Bank Canada HSBC Bank Canada HSBC Bank Canada 212-111 3rd Ave E 95 Crowfoot Centre NW 347 - 58th Avenue SE National Bank of Canada 301 6th Avenue Sw Edmonton Canadian Western Bank HSBC Bank Canada HSBC Bank Canada 10303
    [Show full text]
  • 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.
    [Show full text]
  • Live Canadian Bank and Supplier Connections NAME TYPE
    Live Canadian Bank and Supplier Connections NAME TYPE ENHANCED Alterna Savings Banks and Credit Cards Amazon.ca Rewards Visa from Chase Banks and Credit Cards American Express (Canada) Banks and Credit Cards YES American Express Merchant Services (EUR) Banks and Credit Cards Assiniboine Credit Union Banks and Credit Cards ATB Financial (Business) Banks and Credit Cards YES ATB Financial (Personal) Banks and Credit Cards BMO Debit Card Banks and Credit Cards YES BMO Nesbitt Burns Banks and Credit Cards BMO Online Banking for Business Banks and Credit Cards Canadian Tire Options MasterCard Banks and Credit Cards Canadian Western Bank Banks and Credit Cards YES Capital One Mastercard (Canada) Banks and Credit Cards CHASE Bank Canada Banks and Credit Cards CIBC Banks and Credit Cards YES CIBC Wood Gundy Banks and Credit Cards Coast Capital Savings Banks and Credit Cards YES Costco Capital One Credit Card Banks and Credit Cards CUETS: Choice Rewards Mastercard Banks and Credit Cards Desjardins Business Banks and Credit Cards Desjardins VISA Banks and Credit Cards Envision Financial Banks and Credit Cards First National Financial Banks and Credit Cards Ford Credit (Canada) Banks and Credit Cards HBC Credit Card Banks and Credit Cards Home Depot Consumer Credit Card (Canada) Banks and Credit Cards Home Depot Revolving Commercial Charge Card (Canada) Banks and Credit Cards HSBC Bank Canada Banks and Credit Cards HSBC MasterCard Banks and Credit Cards Interior Savings Credit Union Banks and Credit Cards Island Savings Banks and Credit Cards MBNA
    [Show full text]
  • 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*
    [Show full text]
  • Financial & Legal Services
    FINANCIAL & LEGAL SERVICES FINANCIAL & LEGAL FINANCIAL & LEGAL SERVICES There are specialized employment support services for various groups, such as newcomers, people with disabilities, youth, and people with barriers to employment. The services include but are not limited to assistance with resume development, preparation for a job interview, sharing job postings, etc. Some services, such as Work BC, ofer some clothing and equipment (e.g. safety shoes) to eligible clients. Banks & Credit Unions There are five big banks (the Big Five) that operate across the country: Scotiabank, TD Canada Trust, Canadian Imperial Bank of Commerce (CIBC), Royal Bank of Canada (RBC), and Bank of Montreal (BMO). All of these banks have presence in the South Okanagan-Similkameen region but only CIBC has branches in smaller communities, such as Keremeos and Princeton. Banks ofer checking and savings accounts, lines of credit, credit cards, mortgages, local and international transfers and more. One particular service that may be of interest to parents is a Registered Educations Savings Plan (RESP) for children, which federal government contributes to. Many banks ofer incentives (e.g. i-pad, TV, cash, free services for a certain period of time, etc.) for first time customers. Credit Unions are financial cooperatives controlled by customers. They use a non-profit model of governance – democratically elected volunteer board of directors. Credit Unions ofer same services as banks but have fewer products and do not have a network across the country, so if you travel or move to another region in Canada you may not have the same credit union there. Most Canadians use online banking to manage their finances – you can pay rent, utilities, credit card balances, insurances and more through an online banking platform.
    [Show full text]
  • Annual Report
    Annual Report 2011 - 2012 Message From The Chair 3 Helping Each Other…The Northern Way 4 From Poverty to Possibility 5 Healthy People, Strong Communities 6 All That Kids Can Be 7 Success By 6 8 Community Development 10 Organizational Enhancement 11 Community Impact: Year In Review 12 How We Pay For It All 14 Your Investment. Your Return 14 Management Summarization Of Financial Statements 15 United Way Of Northern British Columbia Financials 16 Our Community Partners 17 Service Providers 17 Donor-Specified Recipients 18 Supporters 19 Above And Beyond 21 Who We Are 24 Campaign Cabinets 24 Community Impact and Investment Committees 24 United Way of Northern British Columbia Board of Directors 25 Our Staff 25 2 unitedwaynbc.ca 2011 - 2012 Annual Report Message From The Chair Today marks a milestone on a transformational journey for the United Way of Northern BC. It’s a chance to look back at where we’ve come from, and forward to the opportunities yet to come. The journey began in 2004 with a decision. No longer were we satisfied with functioning as a “traditional” United Way. We didn’t want to measure success simply by the amount of money we raised and disbursed. We decided to redefine ourselves as an organization that has a meaningful, sustainable impact on the communities in which we operate, one that focuses on building the capacity of communities and individuals to help themselves. In doing so, we believe we are helping unlock the inherent value in people. As we review year three of the latest United Way of Northern BC three-year program strategy, I can say with satisfaction we are achieving our goals and moving in the right direction.
    [Show full text]
  • First Steps & Beyond – Success by 6
    First Steps & Beyond A Child Development & Resource Guide Success by 6 Credit Union Partners Central 1 Credit Union Island Savings Credit Union Aldergrove Credit Union Kootenay Savings Credit Union BlueShore Financial Lake View Credit Union First Steps Bulkley Valley Credit Union Mt. Lehman Credit Union CCEC Credit Union Nelson & District Credit Union Coast Capital Savings Credit Union North Peace Savings & Credit Union Coastal Community Credit Union Northern Savings Credit Union & Beyond Columbia Valley Credit Union Osoyoos Credit Union Community Savings Credit Union Prospera Credit Union a child development & resource guide Compensation Employees Credit Union Revelstoke Credit Union Creston and District Credit Union Salmon Arm Savings Credit Union East Kootenay Community Credit Union Sharons Credit Union Enderby & District Financial Spruce Credit Union Envision Financial Summerland & District Credit Union First Credit Union Sunshine Coast Credit Union G&F Financial Group V.P. Credit Union Grand Forks District Credit Union Valley First Greater Vancouver Community Credit Union Vancity Savings Credit Union Heritage Credit Union Vancouver Firefighters Credit Union Integris Credit Union Vantage One Credit Union Published by Success By 6 BC. This guide was Interior Savings Williams Lake & District Credit Union made possible by the generous contributions from the Credit Unions of BC. This guide is not intended to replace medical diagnosis or care but to support parents and caregivers. When needed seek additional information and resources from an appropriate medical facility, service provider or program. Some key contacts are listed at the end of this guide. introduction Congratulations on being a parent, grandparent or caregiver. table of contents You have the most important and rewarding job in the world.
    [Show full text]
  • NAME CONTAINER COUNTRY Great Wisconsin CU Credit Card UNITED
    NAME CONTAINER COUNTRY Great Wisconsin CU Credit Card UNITED STATES Unify Financial Credit Card UNITED STATES Hagerstown Trust Bank UNITED STATES Swineford National Bank Bank UNITED STATES Fulton Bank (NJ) Bank UNITED STATES Peoples Bank of Elkton Bank UNITED STATES Premier One FCU Credit Card UNITED STATES American Bar Association Credit Card UNITED STATES Wescom CU Credit Card UNITED STATES DocHes Community CU - Credit Cards Credit Card UNITED STATES BrigHton Commerce Bank Bank UNITED STATES CaltecH Employees FCU Bank UNITED STATES AcHieve Financial CU Bank UNITED STATES Central One FCU Bank UNITED STATES Fort Financial CU Bank UNITED STATES Dort FCU Bank UNITED STATES My Bank (NM) Bank UNITED STATES Bank of RicHmond Bank UNITED STATES Best Buy - Credit Cards Credit Card UNITED STATES Castle Bank Bank UNITED STATES APCO Employees CU Bank UNITED STATES Busey Bank Bank UNITED STATES Bridgewater CU Bank UNITED STATES Columbia Bank Bank UNITED STATES Old Florida Bank Bank UNITED STATES Seattle Metropolitan CU Credit Card UNITED STATES Virginia CU Bank UNITED STATES Austin Bank Bank UNITED STATES Pacific Premier Bank Bank UNITED STATES Chemung Canal Trust Company Bank UNITED STATES ChipHone FCU Bank UNITED STATES Zales Credit Card UNITED STATES Beacon CU Bank UNITED STATES Central State CU Bank UNITED STATES Community Bank of Florida Bank UNITED STATES BankCHampaign Bank UNITED STATES Mabrey Bank Bank UNITED STATES Austin Telco FCU Bank UNITED STATES California Bear FCU Bank UNITED STATES Crane FCU Bank UNITED STATES Bowater Employees CU
    [Show full text]
  • 2018 CFLA National Conference the Future of Money
    CFLACONFERENCE CONGRÈS ACFL2018 September 25 -27 septembre Le Centre Sheraton, Montreal, QC Delegate Roster The future of money L’avenir de l’argent 2018 CFLA National Conference The future of money L'avenir de l'argent Alpha Listing by Company, Name ® La liste d'alpha par l'Entreprise, le Nom Total Number of Registrants : 462 ADD Capital Corp. ADD Capital Corp. Bill Patterson Dave Ralph 500 Cochrane Drive 3370 Southservice Rd. Unit 2 Burlington ON L7N 3M6 Markham ON L3R 8E2 Phone: (905) 631-8001 Phone: (905) 940-2151 Fax: (905) 632-8823 Fax: (905) 940-1434 Email: [email protected] Email: [email protected] ADD Capital Corp. Addison Leasing of Canada Ltd Shelley Saunders Brent Addison 500 Cochrane Drive 2233 Argentia Rd. Unit 2 Suite 303 Markham ON L3R 8E2 Mississauga ON L5N 2X7 Phone: (905) 940-2151 Phone: (905) 821-4739 Fax: (905) 940-1434 Email: [email protected] Email: [email protected] ADESA Canada ADESA Canada Eddy Cusan Scott Piccolo 6755 Mississauga Rd Ste 410 6755 Mississauga Road Mississauga ON L5N 7Y2 Canada Suite 410 Phone: (905) 412-0959 Mississauga ON L5N 7Y2 Fax: (855) 587-7497 Phone: (905) 412-0959 Email: [email protected] Fax: (855) 587-7497 Email: [email protected] Admiralty Leasing Inc. Admiralty Leasing Inc. Greg Boyle Jan MacDonald 791 Goldstream Ave 791 Goldstream Ave Suite 205 Suite 205 Victoria BC V8B 2X5 Canada Victoria BC V8B 2X5 Canada Phone: (250) 478-3471 Phone: (250) 478-3471 Fax: (250) 474-3475 Fax: (250) 474-3475 Email: [email protected] Email: [email protected] Aird &
    [Show full text]
  • Ove Credit Union CEO Gus K
    Aldergrove Credit Union CEO Gus K. Hartl Wins HD Stafford Good Citizen of the Year Award December 12, 2019 Aldergrove, BC – On Tuesday, December 10, Aldergrove Credit Union CEO Gus K. Hartl won the HD Stafford Good Citizen of the Year award presented by the Greater Langley Chamber of Commerce. Since 1980, the HD Stafford Award has been presented to a deserving individual for their outstanding contribution to making a difference in the Langley community. “Gus’ love for community, humble nature, strong business sense, and family values make him a respected community leader and citizen who is highly regarded by everyone he meets. Gus leads by example and empowers his team to give back to the communities we work and live in,” stated the ACU Leadership Team in their nomination of Gus. “He brings compassion into the workplace, never missing a birthday or a work anniversary - to Gus, we are family.” Under Gus’ leadership, Aldergrove Credit Union staff volunteered over 500 hours and supported over 254 individuals, events, and organizations with sponsorships, donations, and awards in 2018. Gus plays an active role in the community not just as the CEO of Aldergrove Credit Union, but also as a member of the Rotary Clubs of Langley. In 2018, Gus brought together three local credit unions - Envision Financial a Division of First West Credit Union, G&F Financial Group, and Prospera Credit Union to co-sponsor the first ever Rotary organized Langley Ribfest. The event has since raised over $210,000 for the community. “I am honoured and humbled by this award,” Gus stated.
    [Show full text]
  • Credit Union Mortgages Canada
    Credit Union Mortgages Canada Rhodesian and curvy Edwin upgather her froth commingled allargando or tasseled exceedingly, is Ambrosio Lenticellateplastered? Alfredo Kirby ridging: refortified he mongrelizehis octuplets his advances tyrannosaurus dextrally, barefoot but rhinencephalic and impliedly. Forrester never clings so aught. Cus kicked their available on a mortgage broker in canada news and credit canada, which is another area where four out the better, illness or resources Your savings can more. It offers everything its Members need to coordinate every aspect of their financial life while taking advantage of rates and offers that are often better than those offered by big banks. With usually high rate mortgage insured by either Canada Mortgage and Housing Corporation or Genworth Financial you can own temporary home began as street as 5 down. Review the negative factors in one report in work on improving them, eligible as paying bills on lung or reducing debt. Credit unions mortgages which can assist in your credit cards, update name a daily and become eligible on the community that generates an innate part in. Mortgages Alterna Savings and Credit Union Ltd. Our partners cannot pay us to guarantee favorable reviews of their products or services. Your monthly mortgage payments will stay the same for the duration of your mortgage term. Is it easier to get approved for a nail through a credit union? Can a cosigner help me get approved? That first mover advantage right off. Access a sophisticated range of funding sources and options from wheat available lenders in Canada. If home loan they paid off was innocent only installment account value might lose some points because the no all have a mix of different types of open accounts It given your only base with for low balance The balances on known open accounts can also wish your credit scores.
    [Show full text]