National Sector Results. First Quarter 2018
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1 National Sector Results First Quarter 2018
2 National Sector Results First Quarter 2018 Canadian credit unions posted strong financial results in first quarter of 2018, enjoying another quarter of healthy growth. Total assets at Canadian Credit Union Association (CCUA) affiliated credit unions/caisses populaires rose by $14.7 billion, or 7.2 per cent, over a one-year period to reach $220 billion in the first quarter of Canadians had $186.8 billion on deposit with affiliated credit unions and caisses populaires, representing an increase of $10.7 billion or 6.1 per cent over first quarter Lending activity grew by 8.4 per cent. Total loans recorded close to a $14.5 billion gain over the previous year, with $186.6 billion in the portfolio at first quarter $250.0 $ Billions $200.0 $150.0 $100.0 $50.0 $0.0 1QTR17 2QTR17 3QTR17 4QTR17 1QTR18 Assets $ $ $ $ $ Loans Deposits Assets Loans Deposits
3 Number of Affiliated As of first quarter of 2018, there are 257 credit unions and caisses populaires in the CCUA affiliated sector. The decline in first quarter 2018 is partly due to the amalgamation of 12 caisses affiliated with L Alliance des caisse populaires de l Ontario Limitée joining together to form a single entity on January 1, The new organization is known as Caisse Populaire Alliance Q15 2Q15 3Q15 4Q15 1Q16 2Q16 3Q16 4Q16 1Q17 2Q17 3Q17 4Q17 1Q18 No. of CUs
4 Number of Locations Credit Union Locations At the end of the first quarter of 2018, there are 1,781 locations in the credit union sector. Note: The Manitoba and New Brunswick caisses joining the national trade association largely attributed to the substantial increase at third quarter ,000 1,900 1,800 1,700 1,600 1,500 1,400 1,300 1,200 1,100 1,000 1Q15 2Q15 3Q15 4Q15 1Q16 2Q16 3Q16 4Q16 1Q17 2Q17 3Q17 4Q17 1Q18 Locations 1,746 1,744 1,817 1,819 1,818 1,812 1,805 1,807 1,813 1,819 1,804 1,799 1,781
5 Credit Union Membership Close to 5.7 million Canadians are members of a CCUA affiliated credit union or caisse populaire as of first quarter of Note: The Manitoba and New Brunswick caisses joining the national trade association largely attributed to the substantial increase at third quarter ,750,000 5,500,000 5,250,000 5,000,000 Membership 4,750,000 4,500,000 4,250,000 4,000,000 1Q15 2Q15 3Q15 4Q15 1Q16 2Q16 3Q16 4Q16 1Q17 2Q17 3Q17 4Q17 1Q18 Membership 5,349,050 5,356,702 5,575,409 5,576,075 5,595,468 5,603,855 5,611,814 5,573,655 5,615,482 5,641,365 5,650,513 5,666,635 5,695,657 System Results is published quarterly by Canadian Credit Union Association. For editorial or general inquiries please contact: Sandra Brizland sbrizland@ccua.com Canadian Credit Union Association 151 Yonge Street, Suite 1000, Toronto, ON M5C 2W7 Tel: (416) FAX: (416)
6 FIRST QUARTER 2018 CREDIT UNION/CAISSE POPULAIRE SYSTEM RESULTS AFFILIATED CREDIT UNIONS & CAISSES POPULAIRES ($millions) Total Total Total Total Credit Total Total Province Savings/Deposits Loans Assets Unions Locations Membership British Columbia $68,025 $66,352 $79, ,978,503 Alberta $21,245 $21,965 $25, ,761 Saskatchewan $19,374 $18,573 $22, ,708 Manitoba (1) $27,507 $26,043 $30, ,562 Ontario (2) $41,883 $45,645 $52, ,490,357 New Brunswick (3) $4,251 $4,099 $5, ,684 Nova Scotia $2,333 $2,055 $2, ,991 Prince Edward Island $1,003 $855 $1, ,481 Newfoundland & Labrador $1,136 $995 $1, ,610 TOTAL $186,757 $186,583 $220, ,781 5,695,657 NON-AFFILIATED CREDIT UNIONS & CAISSES POPULAIRES Ontario $4,166 $5,208 $5, ,652 Quebec $122,119 $141,662 $169, ,446,869 TOTAL (All) $126,285 $146,870 $175, ,579,521 Ontario $85 $51 $ ,503 TOTAL $126,370 $146,921 $175, ,586,024 COMBINED CANADIAN CREDIT UNION & CAISSE POPULAIRE SYSTEM RESULTS TOTAL $313,127 $333,504 $395, ,752 10,281,681 Above Figures do not include affiliated companies of the credit union system, such as Concentra Financial Inc., The CUMIS Group Ltd., The Co-op Group Ltd., Credential Financial Inc., and NEI Investments. (1) Manitoba results include a caisse populaire (2) Ontario results include a caisse populaire (3) New Brunswick results include a federal credit union.
7 AFFILIATED CREDIT UNION / CAISSE POPULAIRE SYSTEM RESULTS As of First Quarter 2018 ($ Millions) Growth over Annual Growth Rate 1QTR17 1QTR18 First Quarter 2017 Assets $205,309 $220, % Savings/Deposits $176,048 $186, % Loans (Gross) $172,079 $186, % Number of % Number of Credit Union Locations 1,813 1, % Membership 5,615,482 5,695, % Growth over Quarterly Growth Rate 4QTR17 1QTR18 Fourth Quarter 2017 Assets $216,254 $220, % Savings/Deposits $184,111 $186, % Loans (Gross) $183,932 $186, % Number of % Number of Credit Union Locations 1,799 1, % Membership 5,666,635 5,695, %
8 AFFILIATED CREDIT UNION & CAISSE POPULAIRE SYSTEM RESULTS QUARTERLY GROWTH As of First Quarter 2018 SAVINGS ($Millions) PROVINCE 1Q17 2Q17 3Q17 4Q17 1Q18 2Q17 3Q17 4Q17 1Q17 1Q17 to 1Q18 BC $63,294 $64,241 $65,054 $66,373 $68, % 1.3% 2.0% 2.5% 7.5% AB 20,733 20,869 21,156 21,430 21, % 1.4% 1.3% -0.9% 2.5% SK 18,813 19,133 19,283 19,052 19, % 0.8% -1.2% 1.7% 3.0% MB (3) 26,407 26,805 27,088 27,256 27, % 1.1% 0.6% 0.9% 4.2% ON (4) 38,444 39,331 40,375 41,323 41, % 2.7% 2.3% 1.4% 8.9% NB (5) 4,115 4,270 4,278 4,216 4, % 0.2% -1.4% 0.8% 3.3% NS 2,214 2,295 2,325 2,333 2, % 1.3% 0.3% 0.0% 5.4% PEI , , % 2.0% -1.8% 0.9% 9.6% NL & LAB 1,113 1,113 1,143 1,134 1, % 2.7% -0.8% 0.2% 2.0% TOTAL $176,048 $179,049 $181,714 $184,111 $186, % 1.5% 1.3% 1.4% 6.1% LOANS PROVINCE 1Q17 2Q17 3Q17 4Q17 1Q18 2Q17 3Q17 4Q17 1Q17 1Q17 to 1Q18 BC $60,765 $62,206 $63,950 $65,297 $66, % 2.8% 2.1% 1.6% 9.2% AB 21,270 21,313 21,511 21,908 21, % 0.9% 1.8% 0.3% 3.3% SK 17,487 17,738 18,076 18,267 18, % 1.9% 1.1% 1.7% 6.2% MB (3) 24,322 24,893 25,481 25,829 26, % 2.4% 1.4% 0.8% 7.1% ON (4) 40,721 42,065 43,542 44,658 45, % 3.5% 2.6% 2.2% 12.1% NB (5) 3,866 3,923 4,008 4,089 4, % 2.2% 2.0% 0.2% 6.0% NS 1,900 1,956 1,989 2,043 2, % 1.7% 2.7% 0.6% 8.1% PEI % 3.3% 3.1% 0.4% 8.1% NL & LAB % 0.5% 1.4% 0.6% 4.0% TOTAL $172,079 $175,864 $180,358 $183,932 $186, % 2.6% 2.0% 1.4% 8.4% PROVINCE 1Q17 2Q17 3Q17 4Q17 1Q18 2Q17 3Q17 4Q17 1Q17 1Q17 to 1Q18 BC $72,857 $74,429 $75,614 $77,063 $79, % 1.6% 1.9% 2.6% 8.5% AB 24,563 24,712 24,980 25,460 25, % 1.1% 1.9% 0.1% 3.7% SK 22,048 22,373 22,563 22,437 22, % 0.8% -0.6% 1.7% 3.5% MB (3) 28,927 29,449 29,829 30,107 30, % 1.3% 0.9% 1.1% 5.2% ON (4) 47,379 48,690 50,401 51,282 52, % 3.5% 1.7% 1.9% 10.3% NB (5) 4,909 5,100 5,083 5,041 5, % -0.3% -0.8% 0.7% 3.4% NS 2,429 2,513 2,546 2,558 2, % 1.3% 0.5% 0.0% 5.3% PEI 1,001 1,081 1,103 1,087 1, % 2.0% -1.5% 0.7% 9.3% NL & LAB 1,196 1,213 1,228 1,219 1, % 1.2% -0.7% 0.2% 2.1% TOTAL $205,309 $209,560 $213,347 $216,254 $220, % 1.8% 1.4% 1.7% 7.2% (1) Quarterly growth rates compared growth rates with that of previous quarter. (2) Annual growth rates compare 1Q18 with 1Q17 (3) M anitoba data includes caisse populaire results. (4) Ontario results include caisse populaire results (5) New Brunswick results include a federal credit union. ASSETS
9 AFFILIATED CREDIT UNION & CAISSE POPULAIRE SYSTEM RESULTS QUARTERLY GROWTH As of First Quarter 2018 TOTAL CREDIT UNIONS/CAISSES POPULAIRES BC % 0.0% 0.0% 0.0% 0.0% AB % 0.0% 0.0% -4.5% -4.5% SK % 0.0% 0.0% -4.3% -4.3% MB (3) % 0.0% 0.0% -3.1% -8.8% ON (4) % -1.2% -2.5% -13.9% -17.1% NB (5) % 0.0% 0.0% 0.0% 0.0% NS % 0.0% 0.0% 0.0% 0.0% PEI % 0.0% 0.0% 0.0% 0.0% NL & LAB % 0.0% 0.0% 0.0% 0.0% TOTAL % -0.4% -0.7% -5.5% -7.2% TOTAL LOCATIONS PROVINCE 1Q17 2Q17 3Q17 4Q17 1Q18 2Q17 3Q17 4Q17 1Q17 1Q17 to 1Q18 BC % 0.0% 0.3% 0.0% 0.3% AB % -0.5% -0.5% 0.0% -1.0% SK % -4.2% -0.8% -1.2% -6.1% MB (3) % -1.4% 0.0% -3.8% -5.1% ON (4) % 0.0% -0.4% -1.2% -0.5% NB (5) % 0.0% 0.0% 0.0% 0.0% NS % 0.0% 0.0% 0.0% 0.0% PEI % 0.0% -7.1% 0.0% -7.1% NL & LAB % 0.0% 0.0% 0.0% 0.0% TOTAL 1,813 1,819 1,804 1,799 1, % -0.8% -0.3% -1.0% -1.8% PROVINCE 1Q17 2Q17 3Q17 4Q17 1Q18 2Q17 3Q17 4Q17 1Q17 1Q17 to 1Q18 BC 1,931,668 1,945,647 1,949,150 1,964,814 1,978, % 0.2% 0.8% 0.7% 2.4% AB 615, , , , , % -1.1% -0.1% 0.1% -0.9% SK 474, , , , , % 0.3% 0.0% 0.0% 0.5% MB (3) 646, , , , , % 0.4% 0.2% 0.4% 3.3% ON (4) 1,473,963 1,469,673 1,480,030 1,478,067 1,490, % 0.7% -0.1% 0.8% 1.1% NB (5) 214, , , , , % -0.4% 0.6% 0.1% -0.2% NS 146, , , , , % -0.6% 0.0% -0.1% -0.7% PEI 49,652 49,652 49,600 49,600 49, % -0.1% 0.0% -0.2% -0.3% NL & LAB 63,361 63,733 63,868 63,972 63, % 0.2% 0.2% -0.6% 0.4% TOTAL 5,615,482 5,641,365 5,650,513 5,666,635 5,695, % 0.2% 0.3% 0.5% 1.4% (1) Quarterly growth rates compared growth rates with that of previous quarter. (2) Annual growth rates compare 1Q18 with 1Q17 (3) M anitoba data includes caisse populaire results. (4) Ontario results include caisse populaire results (5) New Brunswick results include a federal credit union. TOTAL MEMBERS
10 ($ Millions) ON $4,040 $4,087 $4,217 $4,104 $4, % 3.2% -2.7% 1.5% 3.1% QB 116, , , , , % -0.1% 0.3% 1.5% 4.8% TOTAL $120,606 $124,303 $124,267 $124,465 $126, % 0.0% 0.2% 1.5% 4.7% NON-AFFILIATED CREDIT UNION & CAISSE POPULAIRE SYSTEM RESULTS QUARTERLY GROWTH As of First Quarter 2018 SAVINGS ON $126 $125 $125 $82 $85-0.8% 0.0% -34.4% 3.4% -32.7% TOTAL $120,732 $124,428 $124,392 $124,547 $126, % 0.0% 0.1% 1.5% 4.7% LOANS ON $4,759 $4,873 $4,987 $5,110 $5, % 2.3% 2.5% 1.9% 9.4% QB 133, , , , , % 1.4% 1.5% 1.1% 5.8% TOTAL $138,635 $140,939 $143,015 $145,272 $146, % 1.5% 1.6% 1.1% 5.9% ON $87 $87 $88 $53 $51 0.0% 1.1% -39.8% -3.3% -41.1% TOTAL $138,722 $141,026 $143,103 $145,325 $146, % 1.5% 1.6% 1.1% 5.9% ON $5,463 $5,585 $5,713 $5,863 $5, % 2.3% 2.6% 2.1% 9.6% QB 160, , , , , % 1.4% 1.4% 0.6% 5.7% TOTAL $166,121 $169,726 $172,138 $174,589 $175, % 1.4% 1.4% 0.7% 5.8% ASSETS ON $139 $138 $138 $92 $94-0.7% 0.0% -33.3% 1.8% -32.6% TOTAL $166,260 $169,864 $172,276 $174,681 $175, % 1.4% 1.4% 0.7% 5.7% (1) Quarterly growth rates compared growth rates with that of previous quarter. (2) Annual growth rates compare 1Q18 with 1Q17
11 ON % 0.0% 0.0% -8.3% -8.3% QB % 0.0% 0.0% -7.5% -7.5% TOTAL % 0.0% 0.0% -7.5% -7.5% NON-AFFILIATED CREDIT UNION & CAISSE POPULAIRE SYSTEM RESULTS QUARTERLY GROWTH As of First Quarter 2018 TOTAL CAISSES POPULAIRES ON % 0.0% -33.3% 0.0% -33.3% TOTAL % 0.0% -0.3% -7.5% -7.8% ON % 3.9% -5.7% 0.0% 0.0% QB % -1.8% -1.1% -1.8% -5.8% TOTAL 1,023 1, % -1.5% -1.3% -1.7% -5.5% ON % 0.0% -33.3% 0.0% -33.3% TOTAL 1,029 1,018 1, % -1.5% -1.5% -1.7% -5.6% ON 134, , , , , % -0.1% 2.2% -2.3% -1.1% QB 4,414,434 4,422,345 4,439,704 4,448,141 4,446, % 0.4% 0.2% 0.0% 0.7% TOTAL 4,548,576 4,555,168 4,572,448 4,583,869 4,579, % 0.4% 0.2% -0.1% 0.7% ON 9,625 9,449 9,334 6,621 6, % -1.2% -29.1% -1.8% -32.4% TOTAL 4,558,201 4,564,617 4,581,782 4,590,490 4,586, % 0.4% 0.2% -0.1% 0.6% (1) Quarterly growth rates compared growth rates with that of previous quarter. (2) Annual growth rates compare 1Q18 with 1Q17 TOTAL LOCATIONS TOTAL MEMBERS
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