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List of QPCU Directors Queensland Police Credit Union Limited Contents 1 Forewords: By John Cummins & Bob Atkinson 4 Chapter 1: The lead up to formation 9 Chapter 2: Formation on 2 June 1964 11 Chapter 3: The first Board meeting after formation 12 Chapter 4: The first Annual Report and the first Annual General Meeting 16 Chapter 5: Where and how our members have done business with us 33 Chapter 6: Early days of the Credit Union 38 Chapter 7: Initial membership bond and where it is today 44 Chapter 8: Reflections by “The Woolloongabba Four” 48 Chapter 9: The first Secretary-Treasurer, Merv Callaghan, and his reflections 51 Chapter 10: Reflections by Godfrey Stephens 53 Chapter 11: Reflections by the first full-time employee, Nives Costanzo, now Sawdy 55 Chapter 12: Reflections by the first Auditor, Noel Kendall 56 Chapter 13: Reflections of the first official Solicitor, Pat Nolan 58 Chapter 14: Managers over the years and their reflections 64 Chapter 15: Chairmen over the years and their reflections 74 Chapter 16: Directors and elected committee members and their activities over time 77 Chapter 17: History of the various committees 104 Chapter 18: Who helped us and how 110 Chapter 19: Staffing 117 Chapter 20: Investment, counterparties and securitisation Queensland Police Credit Union Limited Accommodation and property purchases: Chapter 21 118 Financial advisors: Chapter 22 122 Mobile lender: Chapter 23 123 Motor vehicle consultants: Chapter 24 124 Insurance: Chapter 25 125 Travel service: Chapter 26 127 The share issue: Chapter 27 128 Actions/Decisions made for the betterment of the Credit Union and its members: Chapter 28 133 Remuneration for Directors and committee members: Chapter 29 148 Affiliations: Chapter 30 150 Member surveys and strategic planning: Chapter 31 152 The Carter Inquiry: Chapter 32 156 Regulation: Chapter 33 158 Sponsorship: Chapter 34 161 The Credit Union prayer, code of conduct, mission statement and positioning statement: Chapter 35 164 The benefits of belonging - Not for profit, not for charity, but for service: Chapter 36 166 Looking forward: Chapter 37 168 Historical tables tracing the growth of the Credit Union from 30 June 1965 to 30 June 2004: Chapter 38 170 Queensland Police Credit Union Limited Foreword by John Cummins, Chairman of Forewordthe Board of Directors: John Cummins, Chairman of the Board of Directors While I have been a Director since 1980, I have that we were not involved in housing loans, been a member of the Queensland Police insurance, travel, motor vehicle purchasing, etc. Credit Union Limited, formerly the Queensland But on the converse it is Police Co-operative Credit Union Ltd (QPCU) rewarding to realise that since 27 August 1964 when my membership today we have modern application was approved by the Board. premises, effective staff, In the early days of the Credit Union members virtually instant loans and of the Queensland Police Force were that we have become encouraged to join the Queensland Police involved in many concepts the main beneficiaries of Credit Union to save and to borrow. which have been and Like many members in the early days, the continue to be our members. standard of living and well being of my family However, to continue to and myself were improved by my being able to provide and expand our take out loans which were serviced by payroll services has not and will not deductions made by the Police Department. come without cost – cost in The alternative to this at that stage was to dollars and in the valuable purchase items through hire purchase time of our most effective John Cummins companies which had interest rates close to Management and staff. QPCU Chairman double those struck by the Credit Union. While our membership bond With this in mind I was pleased to support a has been extended on several occasions to move at our 2003 Planning Conference to where it is today – an occupation principally change our Mission to: Working together for a concerned with the administration of justice and better financial lifestyle for members. the protection of life and property – this has not occurred without some criticism of the Board That has been my main objective since joining and Management for pursuing these extensions. the Board and particularly since becoming Chairman in 2000. After all, the Board does not Some members felt and probably still do that own the Credit Union but simply manages it on we should in effect have remained police and behalf of its members. family but that type of resistance was gradually overtaken by the need to take advantage of the On reflection of our early days it is difficult to economies of scale involved in increased believe that there was up to a six month wait membership, services and facilities. for a loan to be paid out, that we operated in Notwithstanding the extension of our bond, 84% premises at Kangaroo Point owned by the of our members today are from Police Service Queensland Police Union of Employees and related sources. Queensland Police Credit Union Limited 1 With the benefit of hindsight and after reflecting industry and there is no doubt in my mind that on our members and staffing levels today, I we will continue to keep pace with societal and sincerely believe that we have grown to a technological changes which will be forced on healthy and manageable size without any us generally but more particularly by listening to detrimental effect on our service and staff. our members through our annual member surveys. However, I believe that, while we have been able to manage our steady growth, we should The success of our Credit Union has been our not rush into any great recruiting drive for the ability to foster and maintain highly valued sake of merely increasing our membership. We relationships with our members of all ages and should hasten slowly, BIG is not always that is the main reason why I would like us to beautiful and we should remain alert to increase our numbers gradually so that we can predators who are always hovering about with concentrate our efforts to a larger degree on takeovers in mind. our existing membership. Another achievement, of which I am extremely I am proud and appreciative of my membership proud to have been associated with, was the of QPCU. I am also pleased that I was securing and development of the Northpoint site successful in becoming a member of the Board where the Credit Union building now stands. in 1980 and to have been able to contribute to Today the Credit Union owns in excess of 60% its undoubted success since then. of the Strata title structure which was developed in conjunction with Silverton. This is I pay tribute to current and past Board and not only a splendid asset for our owners, but a Committee Members – as well as current and testimonial to the foresight displayed by the past Managers and staff members – for their Directors of the day. tireless efforts on behalf of the Credit Union since 1964. We have come a long way since our formation on 2 June 1964 to where we are today. We May QPCU be proud of its humble beginning have had to cope and comply with what seems and development over the past forty years and to be everchanging legislation imposed on the continue to prosper in the future. Queensland Police Credit Union Limited Board of Directors as at 2 June, 2004 John Cummins Merv Bainbridge Len Bracken Col Chant Greg Early Chairman Phil Hocken Mick O’Brien Garry Ryan Laurie Taylor Vice-Chairman 2 Queensland Police Credit Union Limited ForewordFOREWORD BY BOB ATKINSON, COMMISSIONER OF POLICE, QUEENSLAND Bob Atkinson, Commissioner of Police, Queensland I record my sincere congratulations to the and their families in this State have been Queensland Police Credit Union on its forty heightened by the availability of the many years of operation and wish it every success for services which the Credit Union has provided its future. and continues to provide to its members. Since 24 October 1969 I have been a member I have observed several recent innovations in and I can remember distinctly going to the the Credit Union which obviously have been Credit Union to join. In those days it operated introduced to assist its on the verandah of the premises of the members who are Queensland Police Union of Employees at purchasing their first home Kangaroo Point. or who are looking for advice on financial or I would suggest that many members who in household planning. These recent years have had dealings with the Credit are excellent services. Union have no idea of its humble beginning. For example, that for over a year it had no The Queensland Police employee and for its first few years was aided Credit Union has many by employees of and occupied the premises of members who since joining the Queensland Police Union. have conducted all of their financial business through it In mentioning the Union it is significant that it and this is an indication of was the sponsor of the Credit Union so much so their loyalty to an that in the early days one had to be a financial organisation which has Bob Atkinson, Commissioner of member of the Union, a member of the always been loyal and Police, Queensland Queensland Police Officers Association supportive of its members. (Commissioned Officers’ Union) or an employee of the Union/Credit Union to become I am pleased to acknowledge from first-hand a member. experience the long-standing effectiveness of the Credit Union’s Board, Management and It has been pleasing to note, however, that over staff and really these people have strived the years the bond of the Credit Union has been tirelessly to make the Credit Union the expanded to include relatives of Police Officers successful organisation it is today.
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