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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. -
Making Banking Easier at Every Step
2015Annual Report Making banking easier at every step. © BlueShore Financial Credit Union 2015 Annual Report of BlueShore Financial Credit Union. TABLE OF CONTENTS Leadership Viewpoints 3 Easy to do Business With 4 Achievements & Advancements 5 Celebrating 75 Years 6 Advancing Growth & Profitability 7 Report of the Independent Auditor 8 Financial Results & Message to Members 9 Accountability & Transparency 10 © BlueShore Financial Credit Union Leadership Viewpoints Message from Board and Management Chris Catliff, President When we ask clients what they need more of, it’s often not more money, it’s more and CEO, and Dave time. We are all more time-starved than ever before. This is why BlueShore Financial Davenport, Chair, Board continues to introduce new services to save time and increase convenience, while of Directors, in the new remaining true to our commitment to develop long-term relationships to improve BlueShore Financial our clients’ overall financial well-being. branch in Edgemont Village, North Vancouver Through client research you’ve told us that “being easy to do business with” is a priority. We achieve this by combining easy-to-use mobile and digital solutions with our team of trusted advisors to make which opened in fall 2015. the complex, simple; the routine, convenient; and the time-consuming, streamlined. In addition to launching new online and mobile services for our clients in 2015, we exceeded financial objectives reaching $4 billion in Assets Under Administration, achieved robust growth in total loans and deposits, and reduced loan delinquency to a mere 8 basis points, the lowest level in our history. For 75 years we have put our clients first, building a stable, profitable, award-winning credit union along the way. -
Jazz-Fest-2017-Program-Guide.Pdf
JUNE 22 – JULY 2 | 2017 /coastaljazz | #VanJazzFest | COASTALJAZZ.CA 20TH ANNIVERSARY SEASON 2017 181 CHAN CENTRE PRESENTS SERIES The Blind Boys of Alabama with Ben Heppner I SEP 23 The Gloaming I OCT 15 Zakir Hussain and Dave Holland: Crosscurrents I OCT 28 Ruthie Foster, Jimmie Dale Gilmore and Carrie Rodriguez I NOV 8 The Jazz Epistles: Abdullah Ibrahim and Hugh Masekela I FEB 18 Lila Downs I MAR 10 Daymé Arocena and Roberto Fonseca I APR 15 Circa: Opus I APR 28 BEYOND WORDS SERIES Kate Evans: Threads I SEP 29 Tanya Tagaq and Laakkuluk Williamson Bathory I MAR 16+17 SUBSCRIPTIONS ON SALE MAY 2 DAYMÉ AROCENA THE BLIND BOYS OF ALABAMA HUGH MASEKELA TANYA TAGAQ chancentre.com Welcome to the 32nd Annual TD Vancouver International Jazz Festival TD is pleased to bring you the 2017 TD Vancouver International Jazz Festival, a widely loved and cherished world-class event celebrating talented and culturally diverse artists from Canada and around the world. In Vancouver, we share a love of music — it is a passion that brings us together and enriches our lives. Music is powerful. It can transport us to faraway places or trigger a pleasant memory. Music is also one of many ways that TD connects with customers and communities across the country. And what better way to come together than to celebrate music at several major music festivals from Victoria to Halifax. ousands of fans across British Columbia — including me — look forward to this event every year. I’m excited to take in the music by local and international talent and enjoy the great celebration this festival has to o er. -
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. -
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 -
2019 Annual Report | Outlook & Strategy
20 19 ANNUAL REPORT Outlook & Strategy WHO WE ARE First West is one of Canada’s leading member-owned financial co-operatives. Our core business is traditional banking, the provision of personal daily banking and financial advice, and business banking services and business advice. We exist to simplify lives and help our members and communities thrive. Our 1,400 employees strive to create real value for our members by keeping banking simple, through low or no-cost daily account products, competitive lending facilities, segment-tailored service and financial advice, and innovative online and digital experiences. With more than $14 billion in total assets and assets under management and over 250,000 members, we’re British Columbia’s third-largest credit union. Our 50 branches give us the largest geographic reach among credit unions in the province. WE WORK BIG IN ORDER TO WORK MORE LOCAL First West was formed in 2010 through the merger of Envision Credit Union and Valley First Credit Union, but our roots date back to 1946. We’ve experienced considerable growth since 2010, as likeminded credit unions like Enderby & District and Island Savings joined First West and we continued to bring new, innovative products and services to market through our locally known and trusted brand divisions. Our collective size, strength and local expertise enables us to create greater value for our members and communities. Find more information about First West and our multi-brand business model online at www.firstwestcu.ca. OUR BUSINESS RETAIL FINANCIAL SERVICES First West offers a full suite of personal banking services and products, including chequing and savings accounts, term deposits, loans, lines of credit, letters of credit, mortgages, credit cards and registered savings accounts. -
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 -
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* -
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. -
Annual Report
2018/2019 Annual Report Our Vision We are working to build a safe, healthy and strong community welcoming all ages, abilities and cultures — one where everyone has access to support, everyone is included and where everyone matters. North Shore Neighbourhood House 225 East 2nd Street, North Vancouver, BC, V7L 1C4 t: 604-987-8138 f: 604-987-2107 e: [email protected] www.nsnh.bc.ca ...the heart of the community for 80 years. www.nsnh.bc.ca Board Members Strategic Priorities 1 Committed and Accountable to our Community 2018/2019 WE WILL: • Expand and enhance strategic relationship building opportunities with other service providers. Our Mission • Develop appropriate fee-for service offerings. • Build awareness of NSNH as a “life cycle” service provider. The North Shore Neighbourhood House is a not-for-profit registered charity serving the North Shore community since 1939. Flourishing Partnerships with our Program We believe working together to meet the grassroots needs of all our neighbours 2 Sponsors and Funders especially our most vulnerable residents, is essential to building a safe, healthy WE WILL: • Deepen the engagement with our existing partners. and strong community. • Explore opportunities to develop new partnerships with business organizations. The house values and promotes cooperation, respect and empowerment through the provision of programs and services designed to meet the needs of individuals and the community as a whole. 3 Future Focused and Ready Organization WE WILL: • Create future focused sustainable programs. Our Vision • Build a new House. • Retain and attract exceptional staff. North Shore Neighbourhood House is building a safe, healthy and strong com- • Diversify funding sources to improve financial stability. -
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 -
NAME CONTAINER COUNTRY Great Wisconsin CU Credit Card UNITED
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