National System Results. Fourth Quarter 2016
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1 National System Results Fourth Quarter 2016
2 National System Results Fourth Quarter 2016 Canadian credit unions ended 2016 with solid growth and a strong balance sheet. Canadian Credit Union Association (CCUA) affiliated credit unions/caisses populaires across Canada reported $202.5 billion in assets at the end of 2016, representing a $14.2 billion or 7.5 per cent increase over year-end Canadians had $173.7 billion on deposit with affiliated credit unions and caisses populaires, representing an increase of $10.6 billion or 6.5 per cent over fourth quarter Lending activity grew by 7.6 per cent. Total loans recorded an $11.9 billion gain, with$ billion in the portfolio at fourth quarter $250.0 $ Billions $200.0 $150.0 $100.0 $50.0 $0.0 4QTR15 1QTR16 2QTR16 3QTR16 4QTR16 Assets $ $ $ $ $ Loans Savings Assets Loans Savings
3 Number of Affiliated As of fourth quarter 2016, there are 281 credit unions and caisses populaires in the CCUA affiliated system, a decline of three from the 284 credit unions and caisses reported at third quarter The sharp decline from second quarter 2016 to third quarter 2016 was a result of UNI Financial Cooperation in New Brunswick becoming a federal credit union during third quarter Fifteen caisses populaires joined forces becoming one federal credit union Q13 1Q14 2Q14 3Q14 4Q14 1Q15 2Q15 3Q15 4Q15 1Q16 2Q16 3Q16 4Q16 No. of CUs
4 Number of Locations Credit Union Locations At the end of the fourth quarter 2016, there are 1,807 locations in the credit union system, an increase of two locations since third quarter. 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 4Q13 1Q14 2Q14 3Q14 4Q14 1Q15 2Q15 3Q15 4Q15 1Q16 2Q16 3Q16 4Q16 Locations 1,741 1,742 1,740 1,746 1,747 1,746 1,744 1,817 1,819 1,818 1,812 1,805 1,807
5 Membership Credit Union Membership Close to 5.6 million Canadians are members of a CCUA affiliated credit union or caisse populaire as of fourth quarter 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 4,750,000 4,500,000 4,250,000 4,000,000 4Q13 1Q14 2Q14 3Q14 4Q14 1Q15 2Q15 3Q15 4Q15 1Q16 2Q16 3Q16 4Q16 Membership 5,335,232 5,335,175 5,317,926 5,345,145 5,344,344 5,349,050 5,356,702 5,575,409 5,576,075 5,595,468 5,603,855 5,611,814 5,573,655 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 FOURTH QUARTER 2016 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 $62,535 $59,664 $71, ,909,300 Alberta $20,981 $21,181 $24, ,000 Saskatchewan $18,426 $17,396 $21, ,126 Manitoba $26,138 $24,061 $28, ,891 Ontario $36,067 $38,695 $44, ,408,881 Ontario CPs $1,282 $1,245 $1, ,488 New Brunswick (1) $4,055 $3,823 $4, ,094 Nova Scotia $2,192 $1,899 $2, ,988 Prince Edward Island $903 $762 $ ,248 Newfoundland $1,108 $957 $1, ,639 TOTAL $173,687 $169,685 $202, ,807 5,573,655 NON-AFFILIATED CREDIT UNIONS & CAISSES POPULAIRES Ontario $3,899 $4,670 $5, ,359 Quebec $114,771 $133,086 $159, ,422,369 TOTAL CPs $118,670 $137,756 $164, ,035 4,556,728 Ontario $127 $88 $ ,701 TOTAL Non-Affiliates $118,797 $137,844 $164, ,041 4,566,429 COMBINED CANADIAN CREDIT UNION & CAISSE POPULAIRE SYSTEM RESULTS TOTAL $292,484 $307,528 $367, ,848 10,140,084 (1) New Brunswick data include one federal credit union results. Above Figures do not include affiliated companies of the credit union system, such as Concentra Financial Inc., The CUMIS Group Ltd., The Co-operators Group Ltd., Credential Financial Inc., and NEI Investments.
7 AFFILIATED CREDIT UNION / CAISSE POPULAIRE SYSTEM RESULTS As of Fourth Quarter 2016 ($ Millions) Growth over Annual Growth Rate 4QTR15 4QTR16 Fourth Quarter 2015 Assets $188,344 $202, % Savings/Deposits $163,104 $173, % Loans (Gross) $157,768 $169, % Number of % Number of Credit Union Locations 1,819 1, % Membership 5,576,075 5,573, % Growth over Quarterly Growth Rate 3QTR16 4QTR16 Third Quarter 2016 Assets $200,880 $202, % Savings/Deposits $172,433 $173, % Loans (Gross) $167,820 $169, % Number of % Number of Credit Union Locations 1,805 1, % Membership 5,611,814 5,573, %
8 AFFILIATED CREDIT UNION & CAISSE POPULAIRE SYSTEM RESULTS QUARTERLY GROWTH As of Fourth Quarter 2016 SAVINGS ($Millions) BC $57,816 $58,345 $60,775 $62,668 $62, % 4.2% 3.1% -0.2% 8.2% AB 20,818 20,688 20,680 20,961 20, % 0.0% 1.4% 0.1% 0.8% SK 17,804 18,076 18,088 18,281 18, % 0.1% 1.1% 0.8% 3.5% MB (3) 25,054 25,310 25,620 25,860 26, % 1.2% 0.9% 1.1% 4.3% ON 32,469 33,200 34,048 35,102 36, % 2.6% 3.1% 2.7% 11.1% ON CPs 1,240 1,263 1,275 1,286 1, % 1.0% 0.9% -0.3% 3.4% NB (4) 3,849 3,869 3,978 4,043 4, % 2.8% 1.6% 0.3% 5.4% NS 2,103 2,114 2,150 2,196 2, % 1.7% 2.1% -0.2% 4.2% PEI % 5.9% 1.9% -1.8% 4.8% NFLD 1,089 1,086 1,121 1,116 1, % 3.2% -0.4% -0.7% 1.7% TOTAL $163,104 $164,804 $168,638 $172,433 $173, % 2.3% 2.3% 0.7% 6.5% LOANS BC $55,643 $56,967 $58,709 $59,557 $59, % 3.1% 1.4% 0.2% 7.2% AB 20,339 20,510 20,629 21,005 21, % 0.6% 1.8% 0.8% 4.1% SK 16,653 16,669 16,891 17,203 17, % 1.3% 1.8% 1.1% 4.5% MB (3) 22,748 22,854 23,265 23,804 24, % 1.8% 2.3% 1.1% 5.8% ON 34,430 35,199 36,658 37,663 38, % 4.1% 2.7% 2.7% 12.4% ON CPs 1,193 1,199 1,223 1,240 1, % 2.0% 1.4% 0.4% 4.4% NB (4) 3,291 3,284 3,417 3,767 3, % 4.0% 10.2% 1.5% 16.2% NS 1,820 1,820 1,839 1,867 1, % 1.0% 1.5% 1.7% 4.3% PEI % 1.5% 4.9% -0.5% 7.0% NFLD % 0.6% 0.5% 1.1% 2.0% TOTAL $157,767 $160,157 $164,303 $167,819 $169, % 2.6% 2.1% 1.1% 7.6% ASSETS BC $66,356 $67,133 $69,839 $72,054 $71, % 4.0% 3.2% -0.2% 8.4% AB 23,762 23,816 24,085 24,380 24, % 1.1% 1.2% 0.6% 3.2% SK 20,804 21,110 21,176 21,504 21, % 0.3% 1.5% 0.4% 3.8% MB (3) 27,313 27,606 28,025 28,349 28, % 1.5% 1.2% 1.0% 4.9% ON 39,946 40,834 42,386 43,634 44, % 3.8% 2.9% 2.9% 12.4% ON CPs 1,424 1,450 1,464 1,482 1, % 1.0% 1.2% -0.2% 3.9% NB (4) 4,302 4,320 4,444 4,862 4, % 2.9% 9.4% -0.3% 12.6% NS 2,321 2,323 2,365 2,409 2, % 1.8% 1.9% 0.0% 3.8% PEI , % 5.6% 1.9% -1.6% 4.8% NFLD 1,169 1,166 1,201 1,199 1, % 3.0% -0.2% -0.7% 1.9% TOTAL $188,343 $190,694 $195,973 $200,880 $202, % 2.8% 2.5% 0.8% 7.5% (1) Quarterly growth rates compared growth rates with that of previous quarter. (2) Annual growth rates compare 4Q16 with 4Q15 (3) Manitoba data include caisse populaire results. (4) New Brunswick data include one federal credit union results.
9 AFFILIATED CREDIT UNION & CAISSE POPULAIRE SYSTEM RESULTS QUARTERLY GROWTH As of Fourth Quarter 2016 BC % 0.0% 0.0% 0.0% 0.0% AB % 0.0% -11.1% -4.2% -17.9% SK % 0.0% 0.0% 0.0% -6.1% MB (3) % 0.0% 0.0% 0.0% 0.0% ON % -3.9% -1.4% -1.4% -11.3% ON CPs % 0.0% 0.0% 0.0% 0.0% NB (4) % 0.0% -56.0% 0.0% -56.0% NS % 0.0% -3.7% -3.8% -10.7% PEI % 0.0% 0.0% 0.0% 0.0% NFLD % 0.0% 0.0% 0.0% 0.0% TOTAL % -1.0% -6.3% -1.1% -10.8% BC % 0.3% 0.0% -0.3% 0.0% AB % 0.0% -1.5% -0.5% -2.0% SK % 0.0% -0.4% 0.0% -0.7% MB (3) % -0.9% -2.3% 0.0% -3.2% ON % -0.8% 0.6% 1.0% 0.8% ON CPs % 0.0% 0.0% 0.0% 0.0% NB (4) % 0.0% 0.0% 0.0% 0.0% NS % 0.0% -1.4% -1.4% -2.8% PEI % 0.0% 0.0% 0.0% 0.0% NFLD % -2.7% 0.0% 0.0% -2.7% TOTAL 1,819 1,818 1,812 1,805 1, % -0.3% -0.4% 0.1% -0.7% BC 1,920,195 1,929,966 1,935,275 1,944,207 1,909, % 0.3% 0.5% -1.8% -0.6% AB 618, , , , , % 0.0% -0.6% -0.1% -0.4% SK 472, , , , , % 0.0% 0.2% 0.2% 0.3% MB (3) 643, , , , , % 0.1% 0.2% -0.9% 0.1% ON 1,384,109 1,390,197 1,395,403 1,404,172 1,408, % 0.4% 0.6% 0.3% 1.8% ON CPs 58,730 58,286 57,863 57,701 57, % -0.7% -0.3% -0.4% -2.1% NB (4) 223, , , , , % -0.5% -3.3% -0.7% -4.6% NS 149, , , , , % -0.6% -0.4% -0.4% -1.7% PEI 51,444 50,792 50,383 50,248 50, % -0.8% -0.3% 0.0% -2.3% NFLD 54,384 54,025 53,943 53,923 53, % -0.2% 0.0% -0.5% -1.4% TOTAL 5,576,075 5,595,468 5,603,855 5,611,814 5,573, % 0.1% 0.1% -0.7% 0.0% (1) Quarterly growth rates compared growth rates with that of previous quarter. (2) Annual growth rates compare 4Q16 with 4Q15 (3) Manitoba data include caisse populaire results. (4) New Brunswick data include one federal credit union results. TOTAL CREDIT UNIONS/CAISSES POPULAIRES TOTAL LOCATIONS TOTAL MEMBERS
10 ($ Millions) ON $3,715 $3,730 $3,800 $3,880 $3, % 1.9% 2.1% 0.5% 5.0% QB 109, , , , , % 3.3% 0.1% 0.0% 4.5% TOTAL $113,579 $114,790 $118,514 $118,688 $118, % 3.2% 0.1% 0.0% 4.5% NON-AFFILIATED CREDIT UNION & CAISSE POPULAIRE SYSTEM RESULTS QUARTERLY GROWTH As of Fourth Quarter 2016 SAVINGS ON $159 $161 $160 $162 $ % -0.6% 1.3% -21.6% -20.1% TOTAL $113,738 $114,951 $118,674 $118,850 $118, % 3.2% 0.1% 0.0% 4.4% LOANS ON $4,434 $4,524 $4,602 $4,640 $4, % 1.7% 0.8% 0.6% 5.3% QB 128, , , , , % 1.3% 0.7% 0.8% 3.5% TOTAL $133,056 $134,001 $135,734 $136,651 $137, % 1.3% 0.7% 0.8% 3.5% ON $104 $104 $103 $102 $88 0.0% -1.0% -1.0% -13.7% -15.4% TOTAL $133,160 $134,105 $135,837 $136,753 $137, % 1.3% 0.7% 0.8% 3.5% ON $5,080 $5,161 $5,277 $5,300 $5, % 2.2% 0.4% 0.7% 5.0% QB 153, , , , , % 2.0% 0.5% 0.8% 3.9% TOTAL $158,193 $159,128 $162,319 $163,087 $164, % 2.0% 0.5% 0.8% 4.0% ASSETS ON $176 $177 $176 $179 $ % -0.6% 1.7% -21.8% -20.5% TOTAL $158,369 $159,305 $162,495 $163,266 $164, % 2.0% 0.5% 0.8% 3.9% (1) Quarterly growth rates compared growth rates with that of previous quarter. (2) Annual growth rates compare 4Q16 with 4Q15
11 ON % 0.0% 0.0% 0.0% -7.1% QB % 0.0% 0.0% 0.0% -6.5% TOTAL % 0.0% 0.0% 0.0% -6.6% NON-AFFILIATED CREDIT UNION & CAISSE POPULAIRE SYSTEM RESULTS QUARTERLY GROWTH As of Fourth Quarter 2016 TOTAL CAISSES POPULAIRES ON % 0.0% 0.0% -25.0% -25.0% TOTAL % 0.0% 0.0% -0.3% -6.8% ON % 0.0% 0.0% -9.1% -12.3% QB 1,029 1,016 1, % -0.9% -1.2% -1.0% -4.3% TOTAL 1,086 1,071 1,062 1,050 1, % -0.8% -1.1% -1.4% -4.7% ON % 0.0% 0.0% -33.3% -33.3% TOTAL 1,095 1,080 1,071 1,059 1, % -0.8% -1.1% -1.7% -4.9% ON 135, , , , , % -0.2% 0.0% -0.6% -0.9% QB 4,413,607 4,402,464 4,406,607 4,422,003 4,422, % 0.1% 0.3% 0.0% 0.2% TOTAL 4,549,242 4,537,987 4,541,810 4,557,166 4,556, % 0.1% 0.3% 0.0% 0.2% ON 15,609 15,466 15,251 15,095 9, % -1.4% -1.0% -35.7% -37.8% TOTAL 4,564,851 4,553,453 4,557,061 4,572,261 4,566, % 0.1% 0.3% -0.1% 0.0% (1) Quarterly growth rates compared growth rates with that of previous quarter. (2) Annual growth rates compare 4Q16 with 4Q15 TOTAL LOCATIONS TOTAL MEMBERS
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