Manitoba’s Credit Unions District 1 District 7 Steinbach credit union [ 2 branches ] Amaranth credit union [ ] Austin credit union [ 5 ] District 2 Beautiful Plains credit union [ 2 ] Assiniboine credit union [ 24 ] Crocus credit union [ 2 ] Erickson credit union [ ] District 3 Minnedosa credit union [ ] Cambrian credit union [ ] Portage credit union [ 3 ] Sandy Lake credit union [ ] District 4 Strathclair credit union [ 4 ] Credit Union Central of Manitoba Limited Belgian-Alliance credit union [ 3 ] Incorporated in 1950 by Statute of Carpathia credit union [ 3 ] District 8 the Province of Manitoba, Canada Casera credit union [ 3 ] Community credit union [ 3 ] Entegra credit union [ 3 ] La Salle credit union [ ] CREDIT SOCIETY / AGENT BANK Me-Dian credit union [ ] Niverville credit union [ 2 ] Credit Union Central of Canada North Winnipeg credit union [ 2 ] Oak Bank credit union [ 2 ] Bank of Nova Scotia Winnipeg Police credit union [ ] Rosenort credit union [ ] Sanford credit union [ 2 ] EXTERNAL AUDITORS District 5 Starbuck credit union [ 2 ] PricewaterhouseCoopers LLP Access credit union [ 2 ] Crosstown Civic credit union [ 8 ] District 9 SOLICITORS Sunova credit union [ 9 ] SunRise credit union [ 2 ] PITBLADO LLP Vanguard credit union [ 4 ] District 6 Westoba credit union [ 20 ] CONSULTING ECONOMISTS Arborg credit union [ 2 ] Dr. Michael Benarroch Dauphin Plains credit union [ 3 ] Dr. John Loxley Eriksdale credit union [ 3 ] Dr. Brian Oleson Ethelbert credit union [ 2 ] Flin Flon credit union [ ] Gimli credit union [ 2 ] Grandview credit union [ ] Prairie Mountain credit union [ 2 ] Riverton credit union [ ] Roblin credit union [ 2 ] 400-317 Donald Street | Winnipeg, Manitoba R3B 2H6 | Tel 204.985.4700 Annual Report 2009 Rorketon & District credit union [ ] Swan Valley credit union [ 3 ] District structure in eff ect January 1, 2010 any other fi nancial institution. institution. nancial fi other any than products and services nancial fi quality to access better substantially Manitobans giving province, the throughout communities 8 serve Unions Credit Manitoba’s these statistics these for used is branch home the of location the branches, non-Winnipeg and Winnipeg have unions credit Where results unaudited preliminary gures fi All has increased by 68,000 (42%). (42%). 68,000 by increased has unions credit Manitoba in membership 999, since years 0 the In versa. vice and city, the inside business do that Winnipeg outside based unions credit are there although 78), to compared (,609 Winnipeg outside unions credit by recorded was increase 2009 the of Most (57%). 32,637 is capital provincial the outside based unions credit in membership and 566,00) of gure fi membership provincial the of (43% 244,364 at stands now unions credit Winnipeg-based in Membership 2008. over 2.2% of increase annual an for 2009, in memberships union credit new 2,327 opened Manitobans Memberships 19991999 398 +12,327 20002000 428 20012001 455 20022002 472 Binscarth Hill Birds Benito Belmont Beausejour Baldur Austin Ashern Arborg Angusville Amaranth Altona (thousands) 20032003 493 566,00 20042004 502 20052005 520 20062006 538 20072007 563 20082008 554 City Dominion Deloraine Dauphin River Cypress Cartwright Carman Carberry Bruxelles Brandon Boissevain Birtle River Birch 2009 566 Number of Credit Unions & Locations & Unions Credit of Number residents and businesses. and residents local to available institution nancial fi only the is union credit a which in (68) communities of number the as well as province the in branches of number the up nudged which — Union Credit Mountain Prairie create to merged Laurier Populaire Caisse and Union Credit Rose Ste. October, In 200. , January on Farm, Lowe province, the in union credit incorporated oldest the by joined were ey Th both. (36,000), members and billion) ($.2 assets of terms in province the in largest fourth the Union, Credit Access create to forces joined — Heartland and erin Duff Altona, Agassiz, — unions credit Manitoba Southern four , July On 2009. in occurred amalgamations Two 19991999 67 Credit Unions Locations 161 20002000 65 168 Glenboro Gladstone Gillam Plains Gilbert Gimli Branch Fisher Foxwarren Flon Flin Ethelbert Eriksdale Erickson Emerson 20012001 61 171 20022002 56 172 20032003 57 175 20042004 57 177 20052005 57 177 20062006 57 180 20072007 54 180 Killarney Kenton Inwood Inglis Holland Headingley Hartney Hamiota Grunthal Gretna Grandview Glenella 20082008 48 182 20092009 44 184 Miami Melita McAuley Mariapolis Manitou MacGregor Farm Lowe Salle La Laurier Rivière La Landmark Bonnet du Lac (206%) they were a decade ago. ago. decade a were they (206%) size the triple than more now are and .85% of rate annualized an at grown have unions credit 999, Since split. membership the as same the — (57%) billion $8.98 for account Winnipeg outside based unions credit and assets total of (43%) billion $6.87 for account unions credit Winnipeg-based 2008. over increase cent per 9.83 a assets, in $5,855,29,7 with year the ended unions credit Manitoba Assets System 19991999 5.18 20002000 $5,855,29,7 5.93 20012001 +9.83% 6.66 20022002 7.40 20032003 8.26 dollars) of (billions 20042004 9.12 20052005 10.17 Bluff Oak Bank Oak Niverville Ninette Newdale Neepawa Morris Morden Moosehorn Minto Minnedosa Miniota 20062006 11.47 20072007 12.90 20082008 14.44 2009 15.86 Reston Prairie la Portage Plumas Coulee Plum River Pine Falls Pine Pinawa Mound Pilot Oakville Oakburn River Oak Lake Oak 2009 at 0.56%. 0.56%. at 2009 nishing fi year, previous the than lower cent per one just was growth deposit of rate e Th mortgages. residential by followed estate, real commercial in highest was Growth lend). to available funds less had institutions nancial fi other most which during year (a 2008 in experienced 4% over of growth exceptional the er aft 2009 in % of level — healthy very and — traditional more a to returned growth Lending Loans Deposits and Loans 2005 $8.46 2006 $9.42 2007 $10.58 2008 $12.13 2009 $13.46 Selkirk Sanford Lake Sandy Lac du Rose Ste. Lazare St. Russell Rossburn Rosenort Rorketon Roblin Riverton Rivers (billions of dollars) of (billions 2005 $9.36 Deposits 2006 $10.65 2007 $12.00 2008 $13.37 2009 $14.78 The Pas The Teulon River Swan Lake Swan Strathclair Stonewall Steinbach Starbuck Sprague Souris Lake Shoal Shilo System Equity Equity System interest earned thereon. earned interest and deposits member all on guarantee cudgc position, this from comes that security the to addition In system. Manitoba entire the and unions credit of strength the of measurement key a is position by held ( Corporation Guarantee Deposit Union Credit the by held million $45.8 equity, union credit in million $93.9 includes figure is Th million. $,089.6 at year the ending 2009, of course the over million $97 by grew equity system Consolidated 19991999 6.72 20002000 6.65 provides members with a 00% 00% a with members provides cucm 20012001 6.62 20022002 million 6.60 cudgc . A strong equity equity strong A . (as a percentage of assets) of percentage a (as Winnipegosis Beach Winnipeg Winnipeg Winkler Whitemouth Waskada Vita Virden Treherne Thompson 20032003 $97 + 6.78 20042004 6.85 ) and $.9 million million $.9 and ) 6.87 % 6.87 20052005 6.83 20062006 6.87 20072007 6.87 20082008 6.88 2009 6.87 any other fi nancial institution. institution. nancial fi other any than products and services nancial fi quality to access better substantially Manitobans giving province, the throughout communities 8 serve Unions Credit Manitoba’s these statistics these for used is branch home the of location the branches, non-Winnipeg and Winnipeg have unions credit Where results unaudited preliminary gures fi All has increased by 68,000 (42%). (42%). 68,000 by increased has unions credit Manitoba in membership 999, since years 0 the In versa. vice and city, the inside business do that Winnipeg outside based unions credit are there although 78), to compared (,609 Winnipeg outside unions credit by recorded was increase 2009 the of Most (57%). 32,637 is capital provincial the outside based unions credit in membership and 566,00) of gure fi membership provincial the of (43% 244,364 at stands now unions credit Winnipeg-based in Membership 2008. over 2.2% of increase annual an for 2009, in memberships union credit new 2,327 opened Manitobans Memberships 19991999 398 +12,327 20002000 428 20012001 455 20022002 472 Binscarth Hill Birds Benito Belmont Beausejour Baldur Austin Ashern Arborg Angusville Amaranth Altona (thousands) 20032003 493 566,00 20042004 502 20052005 520 20062006 538 20072007 563 20082008 554 City Dominion Deloraine Dauphin River Cypress Cartwright Carman Carberry Bruxelles Brandon Boissevain Birtle River Birch 2009 566 Number of Credit Unions & Locations & Unions Credit of Number residents and businesses. and residents local to available institution nancial fi only the is union credit a which in (68) communities of number the as well as province the in branches of number the up nudged which — Union Credit Mountain Prairie create to merged Laurier Populaire Caisse and Union Credit Rose Ste. October, In 200. , January on Farm, Lowe province, the in union credit incorporated oldest the by joined were ey Th both. (36,000), members and billion) ($.2 assets of terms in province the in largest fourth the Union, Credit Access create to forces joined — Heartland and erin Duff Altona, Agassiz, — unions credit Manitoba Southern four , July On 2009. in occurred amalgamations Two 19991999 67 Credit Unions Locations 161 20002000 65 168 Glenboro Gladstone Gillam Plains Gilbert Gimli Branch Fisher Foxwarren Flon Flin Ethelbert Eriksdale Erickson Emerson 20012001 61 171 20022002 56 172 20032003 57 175 20042004 57 177 20052005 57 177 20062006 57 180 20072007 54 180 Killarney Kenton Inwood Inglis Holland Headingley Hartney Hamiota Grunthal Gretna Grandview Glenella 20082008 48 182 20092009 44 184 Miami Melita McAuley Mariapolis Manitou MacGregor Farm Lowe Salle La Laurier Rivière La Landmark Bonnet du Lac (206%) they were a decade ago.