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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. -
Curriculum Vitae Personal
Schedule A CURRICULUM VITAE PERSONAL INFORMATION: Last Name First Name AAU COLLIER Cheryl POLITICAL SCIENCE DEGREE: From From To To Degree Discipline Institution Country Month Year Month Year September 1995 May 2006 Doctorate Political Science (Canadian and University of Canada (Ph.D.) Comparative Politics) Toronto September 1993 November 1995 Master©s Canadian Studies (Women©s Studies) Carleton Canada University September 1989 May 1993 Bachelor©s Journalism (High Honours) Carleton Canada University EMPLOYMENT HISTORY: Date From Date To Rank/Position Department Institution/Firm Level Country Present Canada 2013/07/01 Present Associate Professor Political Science University of Teaching Canada Windsor University 2020/09/01 2021/06/30 Associate Dean, Faculty of Arts, University of Teaching Canada Partnership Development Humanities and Social Windsor University and Interdisciplinary Sciences Studies (Acting), FAHSS 2018/06/04 2019/08/31 Associate Vice-President, Of®ce of the Provost University of Teaching Canada Academic (Acting) Windsor University 2017/07/01 2018/06/04 Department Head (Acting) Political Science University of Teaching Canada Windsor University 2016/01/01 2016/04/30 Adjunct Professor Ford School of Public University of Teaching United Policy Michigan, Ann University States Arbor 2015/08/01 2015/10/31 Department Head (Acting) Political Science University of Teaching Canada Windsor University 2008/07/01 2013/07/01 Assistant Professor Political Science University of Teaching Canada Windsor University 2004/09/06 2008/06/30 Sessional -
District Name
District name Name Party name Email Phone Algoma-Manitoulin Michael Mantha New Democratic Party of Ontario [email protected] 1 416 325-1938 Bramalea-Gore-Malton Jagmeet Singh New Democratic Party of Ontario [email protected] 1 416 325-1784 Essex Taras Natyshak New Democratic Party of Ontario [email protected] 1 416 325-0714 Hamilton Centre Andrea Horwath New Democratic Party of Ontario [email protected] 1 416 325-7116 Hamilton East-Stoney Creek Paul Miller New Democratic Party of Ontario [email protected] 1 416 325-0707 Hamilton Mountain Monique Taylor New Democratic Party of Ontario [email protected] 1 416 325-1796 Kenora-Rainy River Sarah Campbell New Democratic Party of Ontario [email protected] 1 416 325-2750 Kitchener-Waterloo Catherine Fife New Democratic Party of Ontario [email protected] 1 416 325-6913 London West Peggy Sattler New Democratic Party of Ontario [email protected] 1 416 325-6908 London-Fanshawe Teresa J. Armstrong New Democratic Party of Ontario [email protected] 1 416 325-1872 Niagara Falls Wayne Gates New Democratic Party of Ontario [email protected] 1 416 212-6102 Nickel Belt France GŽlinas New Democratic Party of Ontario [email protected] 1 416 325-9203 Oshawa Jennifer K. French New Democratic Party of Ontario [email protected] 1 416 325-0117 Parkdale-High Park Cheri DiNovo New Democratic Party of Ontario [email protected] 1 416 325-0244 Timiskaming-Cochrane John Vanthof New Democratic Party of Ontario [email protected] 1 416 325-2000 Timmins-James Bay Gilles Bisson -
November 23, 2018
Queen’s Park Today – Daily Report November 23, 2018 Quotation of the day “This is a callous way to deliver a cut on the backs of the most vulnerable people in Ontario.” NDP social services critic Lisa Gretzky slams the PC’s social assistance revamp. Today at Queen’s Park On the schedule The House is adjourned until Monday at 10:30 a.m. for question period. There are three more sitting weeks before MPPs break for the holiday recess. Thursday’s debates and proceedings In the morning MPPs kicked off third reading debate on Bill 32, Access to Natural Gas Act. A Liberal bill was defeated while a PC backbencher bill and motion were passed during the afternoon’s private members’ business debate. ● Liberal MPP Nathalie Des Rosiers’ Bill 49, Charter Rights Transparency Act, died on a recorded vote (Ayes 19; Nays 54) after second reading. ● PC MPP Mike Harris’ Bill 50, Cutting Red Tape for Motor Vehicle Dealers Act, was sent to the Standing Committee on the Legislative Assembly after passing second reading. The bill would allow certain car dealers to apply online for permits, number plates, sticker validations and used-vehicle information. ● PC MPP Kinga Surma’s motion calling on the Toronto Catholic District School Board to “find mechanisms so [it] can permanently support the study of international languages” in primary schools passed. Second reading debate on Bill 57, Restoring Trust, Transparency and Accountability Act, continued later in the afternoon. In the park It’s beginning to look a little like the holidays at the legislature — a 12-foot evergreen tree was installed on the grand staircase Thursday. -
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. -
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* -
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 -
Ontario Government Quick Reference Guide: Key Officials and Opposition Critics August 2014
Ontario Government Quick Reference Guide: Key Officials and Opposition Critics August 2014 Ministry Minister Chief of Staff Parliamentary Assistant Deputy Minister PC Critic NDP Critic Hon. David Aboriginal Affairs Milton Chan Vic Dhillon David de Launay Norm Miller Sarah Campbell Zimmer Agriculture, Food & Rural Affairs Hon. Jeff Leal Chad Walsh Arthur Potts Deb Stark Toby Barrett N/A Hon. Lorenzo Berardinetti; Sylvia Jones (AG); Jagmeet Singh (AG); Attorney General / Minister responsible Shane Madeleine Marie-France Lalonde Patrick Monahan Gila Martow France Gélinas for Francophone Affairs Gonzalves Meilleur (Francophone Affairs) (Francophone Affairs) (Francophone Affairs) Granville Anderson; Alexander Bezzina (CYS); Jim McDonell (CYS); Monique Taylor (CYS); Children & Youth Services / Minister Hon. Tracy Omar Reza Harinder Malhi Chisanga Puta-Chekwe Laurie Scott (Women’s Sarah Campbell responsible for Women’s Issues MacCharles (Women’s Issues) (Women’s Issues) Issues) (Women’s Issues) Monte Kwinter; Cristina Citizenship, Immigration & International Hon. Michael Christine Innes Martins (Citizenship & Chisanga Puta-Chekwe Monte McNaughton Teresa Armstrong Trade Chan Immigration) Cindy Forster (MCSS) Hon. Helena Community & Social Services Kristen Munro Soo Wong Marguerite Rappolt Bill Walker Cheri DiNovo (LGBTQ Jaczek Issues) Matthew Torigian (Community Community Safety & Correctional Hon. Yasir Brian Teefy Safety); Rich Nicholls (CSCS); Bas Balkissoon Lisa Gretzky Services / Government House Leader Naqvi (GHLO – TBD) Stephen Rhodes (Correctional Steve Clark (GHLO) Services) Hon. David Michael Government & Consumer Services Chris Ballard Wendy Tilford Randy Pettapiece Jagmeet Singh Orazietti Simpson Marie-France Lalonde Wayne Gates; Economic Development, Employment & Hon. Brad (Economic Melanie Wright Giles Gherson Ted Arnott Percy Hatfield Infrastructure Duguid Development); Peter (Infrastructure) Milczyn (Infrastructure) Hon. Liz Education Howie Bender Grant Crack George Zegarac Garfield Dunlop Peter Tabuns Sandals Hon. -
A Guide to Canada Emergency Business Account (CEBA)
A Guide to Canada Emergency Business Account (CEBA) Overview: Originally launched on April 9, 2020, CEBA is intended to support businesses by providing financing for their expenses that cannot be avoided or deferred as they take steps to safely navigate a period of shutdown, thereby helping to position businesses for successful relaunch when the economy reopens. This $55 billion program provides interest-free loans of up to $40,000 to small businesses and not-for-profits. Repaying the balance of the loan on or before December 31, 2022 will result in loan forgiveness of 25 percent (up to $10,000). As of June 26, 2020, businesses eligible for CEBA now include owner-operated small businesses that do not have a payroll, sole proprietors receiving business income directly, as well as family-owned corporations remunerating in the form of dividends rather than payroll. This means that more small businesses can access it. Applicants with $20,000 or less in payroll in 2019 will have to demonstrate having Eligible Non-Deferrable Expenses between Cdn.$40,000 and Cdn.$1,500,000 in 2020. Expenses are considered “Eligible Non-Deferrable Expenses” if they were already incurred in January and/or February 2020, or are due to a legal or contractual obligation as at March 1 and cannot be avoided or deferred beyond 2020 even during a period of shut down and depressed revenues as a result of COVID. CEBA is not intended to provide income support, or support for variable operating expenses to businesses. CEBA applicants agree that the government may conduct audits to confirm the nature of the expenses applicants use to establish their eligibility for CEBA, and acknowledge that inaccuracies may lead to legal consequences. -
How to Pay the CRA
Stern Cohen LLP 45 St. Clair Avenue West, 14th Floor Chartered Professional Accountants Toronto ON M4V 1L3 Chartered Accountants T. 416-967-5100 Licensed Public Accountants F. 416-967-4372 Business Advisors www.sterncohen.com How To Pay the CRA If you have a balance owing to the Canada Revenue Agency (CRA), we recommend that you pay electronically. For your convenience, here is a “How To” guide outlining two online payment options available to you. Option 1: Online banking Sign in to your financial institution's online banking service. Under add a (bill) payee, look for CRA (revenue)-(2014)-tax owing. Be sure to enter your account number (your social insurance number) carefully to avoid a lost or misapplied payment. The payment may take two to three days to be processed so make your payment in advance to ensure timely receipt. Some financial institutions (specifically those outside the Big Five Canadian banks) may not support online payments. We recommend checking to see if you can add the CRA as a bill payee in advance to confirm that your financial institution supports the service. Option 2: Debit card - Interac® Online (My Payment) Use the CRA's My Payment service to pay with your debit card through Interac® Online. Only BMO, Scotiabank, RBC, TD, Envision Financial, and Libro Credit Union support the My Payment function Remember: Your transaction total is subject to your daily or weekly limit as determined by your financial institution. Final Thoughts and CRA Late Filing Penalty Reminders If your personal income tax return is filed late (even by a day) you’ll automatically be assessed a 5% penalty on the balance owing. -
Social Purpose Credit Union Self-Assessment
SOCIAL PURPOSE CREDIT UNION SELF-ASSESSMENT 2017 Credit unions are formalizing and focusing their ‘social purpose’ to better meet member needs, play a stronger role in fostering resilient and co-operative communities and grow their businesses. This tool was developed to help them in that effort. Using the language of corporate social responsibility (CSR), it guides credit unions through a process of considering the purpose and focus of their social role – which includes the environment and extends beyond traditional banking and co-operative roles. This tool was first commissioned by Libro Credit Union, based in Ontario, Canada, to assist them in their strategic planning. Libro engaged Coro Strandberg, President of Strandberg Consulting, to draft the tool based on best practices in social purpose in financial institutions and consultation with “CSR” and values- based banking practitioners in the Canadian credit union system. It also incorporates leading corporate practices from outside the financial services sector. University Federal Credit Union, based in Texas, US, subsequently engaged Coro Strandberg to update the tool to reflect best practices in the United States and globally. The Social Purpose Credit Union Self-Assessment is designed to assist in credit union strategic planning. It is a four-stage checklist of best, leading and next practices in CSR, social purpose and values-based banking in seven areas: governance, members, employees, community, environment, suppliers and business partners and the co-operative sector. Author: Coro Strandberg is a leading sustainability and corporate responsibility consultant, with over 25 years of experience advising credit unions and other companies on the design and implementation of community investment, CSR, and social purpose business models and strategies. -
Haldimand County, Community Profile, Mcsweeney & Associates
Haldimand County | 2017 Community Profile Business Support Programs and Services National and Provincial Support Below is a list of government programs and not-for-profit agencies involved in business support and development. These government and not-for-profit bodies specialize in knowledge translation, job creation, facilitating commercialization, and capital and business development. Table 34: Business Support Programs Federal Departments/National Agencies Name Website Federation of Canadian Municipalities fcm.ca Futurpreneur Canada futurpreneur.ca Business Development Bank of Canada bdc.ca (BDC) Federal Economic Development Agency feddevontario.gc.ca for Southern Ontario (FedDev Ontario) Canada Business - Business Start-up canadabusiness.ca Assistant Export Development Canada edc.ca Innovation, Science and Economic ic.gc.ca Development Canada Provincial Departments/Agencies Name Website Service Ontario ontario.ca The Ontario Network of Entrepreneurs ONEbusiness.ca (ONE) Ministry of Economic Development and ontario.ca Growth Ontario Ministry of Agriculture, Food and omafra.gov.on.ca Rural Affairs Economic Development Council of edco.on.ca Ontario Ontario Centers of Excellence oce-ontario.org Source: McSweeney & Associates HaldimandCounty.ca Page 33 Haldimand County | 2017 Community Profile Local/Regional Support Below is a list of agencies at the local/regional level involved in business support and development. These agencies work in the region to facilitate and support business in various capacities. Table 35: Local Business Support Regional/Local/Other Departments/Agencies Name Website Haldimand County Economic BusinessHaldimand.ca Development and Tourism Grand Erie Business Centre Inc. granderie.com Fanshawe College Community fanshawec.ca Career and Employment Services Workforce Planning Board of Grand workforceplanningboard.org Erie Haldimand Employment Services - st-leonards.com St.