Engines of Growth 2016
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1 Engines of Growth 2016
2 Message from SaskCentral s President and CEO Transformative Change Underway in Saskatchewan s Credit Union System We invite elected officials to review this brochure which describes ways Saskatchewan credit unions are helping grow the economy. We are highlighting credit union investments in local communities and the range of ways credit unions support Saskatchewan s economic growth. This brochure provides a statistical summary of the benefits credit unions provide to the economy and to their 472,000 members across Saskatchewan. We listened with interest, on June 1, as Saskatchewan s Finance Minister delivered the provincial budget. Saskatchewan s government is embarking on transformative change in an effort to continue to support economic growth but also to bring the budget back to balance. Saskatchewan s credit union system is also undergoing transformative change. Several factors are driving transformative change within the credit union system including: the torrid pace of technological change; our members increasing desire to access financial services remotely; new national and international compliance measures; and federal legislative changes to the second tier of the credit union system. Credit unions are exploring new technologies to ensure their members also have access to the latest conveniences and security measures when accessing financial services, such as mobile banking and remote deposits. Credit unions are striving to improve their operating efficiency in order to meet new capital and liquidity requirements for financial institutions. Nationally, credit unions are collaborating on revamping the clearing and settlement and payment systems to respond to changes in federal legislation. In prosperous and turbulent economic times, credit unions are financial co-operatives, balancing the need for growth with the needs and well-being of members and communities. We encourage Saskatchewan MLAs to balance the goals of economic growth and fiscal prudence with competitive fairness in our taxation system. Sincerely, Sincerely, Keith Nixon CEO Russ Siemens President
3 Economic Partnerships Financial Literacy $ Many credit unions have financial literacy programming partnerships with their local schools and community organizations. In 2015, a new financial literacy initiative was announced. The Saskatchewan Financial Literacy Network partnership includes representatives from the Saskatoon Industry Education Council, Affinity Credit Union, the Saskatchewan Chamber of Commerce, and Square One/SREDA. The network will act in a leadership role to provide direction, support and action plans to improve financial literacy within our communities. It will have a focus on youth, seniors, newcomers, businesses, Indigenous peoples, underbanked and people with special needs and disabilities. Affordable Housing By the end of 2016, partnerships with as many as ten Saskatchewan credit unions, Westcap Management Limited, the provincial government and municipalities will have resulted in the construction of 1,500 new affordable housing units. These credit unions partnered to offer $10 million in down payment loans for new HeadStart homeowners. SASKATCHEWAN CREDIT UNIONS QUICK FACTS (as at June 30, 2016) Number of credit unions: 46 Members: More than 472,000 Credit union assets: $21.1 billion Total credit union lending: $16.1 billion Board members: almost 500, locally elected Asset size of individual credit unions: $19 million to more than $5.5 billion Employees: close to 3,500 Social Impact Bonds The Sweet Dreams Project in Saskatoon is yielding early results for vulnerable mothers and their children. The Social Impact Bond partnership is comprised of a partnership among, the Government of Saskatchewan, EGADZ, Conexus Credit Union and Wally and Colleen Mah. As of June 2016, it was confirmed that 21 children and their mothers had received program support. The goal is to keep children out of foster care by providing their mothers with parenting, education and employment support. Impact Investments Credit unions make strategic investments in community enterprises, programs and projects that have long term impacts in Saskatchewan. With an aim of helping communities prosper, some credit unions have long-term commitments in capital projects in local communities. Others have special loan programs for low income persons, people with a disability, people with no credit history (new Canadians) or people who have a poor credit history.
4 Credit Union Footprint in Saskatchewan Credit Union Total Lending credit unions maintain 50% of the SME market and are a critical source of loans and mortgages for small and medium sized business which are the backbone of Saskatchewan s economy [Source: CUDGC] Employee Salaries and Benefits Saskatchewan s 46 credit unions collectively employ approximately 3,500 people in skilled work roles, providing valuable wages and benefits throughout the province. [Source: CUDGC] 300 Out of 1.13 million people in Saskatchewan more than 472,000 are members of a credit union [Source: Statistics Canada and CUDGC] Total Community Giving [Source: Canadian Credit Union Association] [Includes donations, sponsorships, in-kind donations, scholarships and bursaries, charitable foundations and reduced or waived fees or service charges] Credit unions act as engines of growth for Saskatchewan, financing farms, business operations and major consumer purchases. Consumer Commercial 2015 $15.9B 2014 $15.1B 2013 $13.8B 2012 $12.1B Agricultural [Source: CUDGC] $MILLIONS $7.86M 2011 $10.9B
5 People Before Profits Community giving is one of the ways that credit unions directly benefit their communities. [Source: Canadian Credit Union Association] [Includes donations, sponsorships, in-kind donations, scholarships and bursaries, charitable foundations and reduced or waived fees or service charges] Volunteer Hours ,917 VOLUNTEER HOURS Charitable Contributions CUSTOMER SERVICE In a 2016 Canada Wide Ipsos Reid survey, credit unions for the 12th year in a row won sole top honours for Customer Service. Additionally, credit unions won... First for Branch Service Excellence (12th consecutive year) $MILLIONS First for Values My Business (9th consecutive year) First for Live Agent Telephone Banking Excellence Winner (tied) for Mobile Banking Excellence Winner (tied) for Financial Planning and Advice (9th consecutive year) Winner (tied) for ATM Banking Excellence Winner (tied) for Online Banking Excellence Winner (tied) for Automated Telephone Banking Excellence (4th consecutive year) With close to 26,000 volunteer hours, credit union employees support hundreds of community and charitable events.
6 Differences Between Credit Unions and Banks Credit unions: Grow their capital primarily on retained earnings. Banks: Issue shares. Credit unions: Democratically governed. Each member has one vote. Banks: Shareholders votes are based on the number of common shares they own. Credit unions: Most of those served are member/shareholders and can influence operations. Banks: Most customers are not shareholders and therefore have no say in operations. Number of jobs created per $1 million in output JOBS CREATED BY CREDIT UNION OUTPUT JOBS CREATED BY BANK OUTPUT For every $1 million gross output, credit unions create a total of 14.2 jobs compared to 8.4 jobs created by banks. [Source: Canadian Credit Union Association] Every $1 of capital in the credit union system leverages $10 in lending activity
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