Canada Safeway Limited Employees
Savings & Credit Union Limited
Vision Statement
To be the Financial Institution of choice for Canada Safeway Limited’s current and retired
employees and their immediate family members.
2012 Annual Report
Mission Statement
We are here for our member-owners through all stages of their lives and will provide
exceptional service beyond their expectations.
Our Values:
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Vision Statement
To be the Financial Institution of choice for
Canada Safeway Limited’s current and retired
employees and their immediate family members.
Mission Statement
We are here for our member-owners through all
stages of their lives and will provide exceptional
service beyond their expectations.
Our Values
Member Service
Integrity
Fairness
Team Work
Respect
Did You Know?...
Canada Safeway Credit Union was
incorporated December 1952… operating
started February 1953
Only 3 General Manager’s in 60 Years – Walter
Makar, 1954 to 1987, Merrill Richardson, 1987 to
1999 & Cliff Roberts 1999 to present.
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Table of Contents
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You Said It!...
When I joined the Safeway Credit Union as a part time employee still in High
School, I look back at all the advantages the credit union presented. Thanks
to the payroll deduction, money went into my account painlessly and built up
rapidly. Hence, I was one of the few in my peer group who had a car and a few
bucks in my pocket.
Something to remember after all these years is the “Service”, it is still outstanding.
You can still go and “shoot the breeze: with any of the staff and be treated with
the utmost courtesy.
I also want to thank the Safeway employee volunteers that contribute their
time to the committees that work with the credit union. They help to make the
organization the success it is today.
Congratulations on your 60th anniversary! To be in business for 60 years is no small
feat. – Bill Sneddon – 57 year member
“Once a Member
Always a
Member”
Canada Safeway Limited
Employees Savings &
Credit Union Limited
2012 Annual Report
Credit Union Milestones....................................... 2
You can continue
doing business with
the Safeway Credit
Union even if you
leave Safeway
Officers and Staff................................................. 3
We have two 60 year
members with the Safeway
Credit Union today –
Josephine Graham and
Dorothy Heinricks!
Credit Committee Report 2012.......................... 8
Agenda................................................................. 5
Board of Directors Report 2012........................... 6
General Manager’s Report 2012....................... 7
Audit and Financial Commitee Report 2012.... 9
Independent Auditor’s Report......................... 11
Management’s Responsibility
for Financial Reporting................................. 12
Summarized Financial Statements............ 13 - 16
Page 1 Your Board - Over 80
years of dedication.
Barrie Schimpf – President............................................9 years
Ken Stewart – Vice President.....................................18 years
Marla Clermont – 2nd Vice President.........................20 years
Sandra Dobrowolski – Director...................................14 years
Greg Dyki – Director....................................................12 years
Rob Toews – Director.....................................................7 years
Colby Cavanagh – Director........................................2 years
Your Staff - Over 195
years of knowledge.
Colette Weber, Office Supervisor .............................36 years
Parin Ladha, Assistant Manager................................35 years
Cindy Purvis, Administrative Assistant.......................33 years
Cliff Roberts, General Manager................................32 years
Lisa Ingham, Customer Service Representative......20 years
Jim MacDonald, Accounts Representative.............18 years
Wendy Mertick, Front-end Supervisor.........................6 years
Arlie Mahood, Customer Service Representative ....7 years
Cathy Erskine, Manager, Lending Services ...............5 years
Anke Rotzal, Loan Officer ............................................4 years
Your Credit Union Proudly Serving our
members for 60 years!
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Officers and Staff
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Board of Directors:
Back Row L-R: Greg Dyki, Barrie Schimpf, Rob Toews
Front Row L-R: Marla Clermont, Ken Stewart, Sandra Dobrowolski
Missing: Colby Cavanagh
Staff:
Front Row L-R: Colette Weber, Lisa Ingham (Sitting), Jim MacDonald (Sitting)
Back Row L-R: Wendy Mertick, Cindy Purvis, Arlie Mahood, Anke Rotzal, Parin Ladha,
Cathy Erskine, Cliff Roberts
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Please see page 17 for names of people in the photos.
Page 4
CANADA SAFEWAY LIMITED EMPLOYEES
SAVINGS AND CREDIT UNION LIMITED
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Agenda – 60th Annual General Meeting
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Calgary, Alberta
60th ANNUAL GENERAL MEETING
FEBRUARY 12, 2013
1.
Registration of Members
2.
Establishment of a Quorum
3.
Introduction & Approval of Guests
4.
Appointment of Scrutineers
5.
Adoption of the Minutes of the Last Meeting
6.
Report of the Board of Directors
7.
Report of the General Manager
8.
Financial Statement Presentation & Auditor’s Report
9.
Report of the Credit Committee
10.
Report of the Audit and Finance Committee (ALCO)
11.
New Business
(a) Compensation Disclosure Resolution
(b) Election of Credit Union Officers
(c) Question Period
Adjournment
Strong. Growing. Successful.
• At the end of 1954, our ASSETS were $33,200.
• As at October 31, 2012 our ASSETS are $ 43,738,572!
• Total membership for 1954 was 158 members.
• Total membership 4,151 as at October 31, 2012!
Page 5 Board of Directors Report 2012
On behalf of your Board of Directors, Management and Staff of your Credit
Union, I welcome you to the 60th Annual General Meeting.
Since our inception in 1953 our Credit Union has grown from 158 members in the
first year to 4151 members in 2012. Our assets in 1954 were $33,200.00 and now
have reached $43,738,572.00. We could not have accomplished this without the
support of Canada Safeway in the early years and you the membership that has
been with us all the way.
What these numbers do not show, is the human side. They do not show how
many members over the years we have had the privilege to help purchase their
first home or their very first car. This is what we take great pride in, being there for
our members through all stages of their lives.
60 years is truly something to celebrate! This year the board declared a
patronage rebate to its members, something we have not been able to do since
2008. The total rebate back to members in 2012 was $58,858.00.
We also added $20,570.00 to our retained earnings bringing our equity position to
6.77% of assets.
In December, Credit Union Deposit Guarantee Corporation – the entity that guarantees
your money, completed a comprehensive audit on our Credit Union. They stated that our
credit union had a very solid capital position and felt we had a very sound board and
management team. Their remarks were if all Credit Unions were run as well as ours they
would be out of a job!!
This past year we also completed a detailed risk assessment of banking and backup
systems with good results. Next year our Credit Union will be upgrading our banking
system with the purchase of a new server and new banking platform.
Being in business for 60 years is no easy task; it takes a lot of hard work and dedication
from many people. I wish to express my appreciation to all the board members for the
leadership and commitment and to the management and staff for your outstanding
efforts.
Respectfully submitted by the
BOARD OF DIRECTORS
Barrie Schimpf, President
Marla Clermont, 2nd Vice President
Sandra Dobrowolski, Director
Rob Toews, Director
Page 6
Ken Stewart, Vice President
Greg Dyki, Director
Colby Cavanagh, Director
It is my privilege to welcome you to our 60th Annual General Meeting.
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General Manager’s Report 2012
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Our Credit Union has a strong history and I am proud to be part of this
extraordinary group. We were not the first Safeway Credit Union in Canada but
we are the last and we take great pride in that fact.
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Your support this past year has allowed us to continue to grow, our assets grew
4.95% and our liabilities grew 5.25%. Membership was up 2.75%.
With interest rates continuing to be at all-time lows, and other economic factors,
our bottom line was affected by these pressures. Even with a lower bottom line
the board declared a patronage refund to members. We were able to do this
because we controlled our expenses and our write-offs of bad debts were at an
all-time low.
Our Capital Position remains strong at 15.40% of assets, and our liquidity is above
the requirements of the credit union act. Overall, we had some very positive
results in 2012.
We expanded our marketing this year and visited 25 Edmonton Safeway stores
and even went farther north to Grande Prairie, Dawson Creek and Fort St. John.
We were able to open 135 new accounts in one week and educate a lot of
Safeway employees about our services.
In 2012 we became part of two new programs within the Credit Union System.
“CU Connect” - which allows our members to complete services like withdrawals,
deposits, pin changes and get bank drafts with their member card “in branch”
at all Alberta Credit Unions surcharge free.
The second program is called “Ding Free” which allows our members to use their
member cards at any Credit Union “ATM machine” across Canada surcharge
free.
Celebrating 60 years is an amazing accomplishment and we could not do it
without the care and dedication of all the past and present directors, who I
would like to thank for their guidance and support.
To my staff, I have had the honor of working with many of you for a number of
years and I can honestly say I could not find a more caring group of individuals.
Thank you!
Respectfully
Cliff Roberts, General Manager
Page 7 Credit Committee Report 2012
The Credit Committee would like to welcome fellow members and guests to the
2012 Annual General Meeting and is pleased to report on the activity in the Loan
Department.
During the year the Credit Committee approved 1791 loans totalling
$11,751,372.17, which includes personal loans, line of credits and mortgage
loans. In addition, the overdraft protection balance year ended October 31,
2012 was $543,418.86 for total loans granted of $12,294,791.03.
The Credit Committee meets on a daily basis to review and make decisions on
loans, policies and procedures that must be followed in the processing of loans.
We endeavor to process loan requests as quickly as possible so our member’s
needs can be met in a reasonable length of time.
Following are the comparison figures for 2012 and 2011 showing the types of
loans granted.
Purpose of Loans
2012
2011
Automobile (Purchase & Repairs)
$ 748,642.27
$ 767,436.88
Consolidation of Debts 1,277,866.51 1,041,060.28
Insurance Premiums
3,000.00
4,553.00
Investments (RRSP & BONDS)
617,250.30
545,662.42
Education
64,240.29
25,148.89
Medical & Dental
91,905.44
67,638.18
Taxes (Property & Income)
45,154.68
67,957.24
Vacation
168,281.88
110,399.27
Home Repairs & Renovations
209,557.06
459,249.98
Real Estate (Mortgages) 3,137,434.02 2,335,853.85
Operating Expenses
336,659.09
355,813.60
Overdraft Protection
543,418.86
560,367.85
Line of Credit Loans
5,051,380.63
5,003,726.26
TOTAL
$12,294,791.03
$11,344,867.70
This report is respectfully submitted on behalf of your Credit Committee with
appreciation for your continued support.
Credit Committee Members:
Cathy Erskine – Chair
Cindy Purvis
Jim MacDonaldAnke Rotzal
Page 8
The Audit & Finance Committee (ALCO) held quarterly meetings
and reported to the Board after each meeting.
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Audit & Finance Committee Report 2012
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The Committee reviewed the scope of the external audit with Curtis Friesen, CA
of Hawkings Epp Dumont LLP, Chartered Accountants, prior to our audit.
All financial reports were reviewed by the Committee during the year.
The financial statements as at and for the year ended October 31, 2012,
were reviewed by the Committee and Hawkings Epp Dumont LLP, Chartered
Accountants.
We can assure our members at this time that your affairs in this Credit Union are in
good standing.
Repectfully submitted on behalf of:
Ken Stewart– Chair
Sandra Dobrowolski
Marla Clermont
Did You Know?...
Arthur Craig was the 1st President of the
Safeway Credit Union from 1953 – 1969 until he
retired from the position
The first Canada Safeway Employees Credit
Union was in Vancouver followed by Winnipeg
in 1951. Later in 1953 Edmonton and Calgary
received their charter
We are proud to say that “we are the last
standing Safeway Credit Union in Canada!”
Page 9 CANADA SAFEWAY LIMITED
EMPLOYEES' SAVINGS AND
CREDIT UNION LIMITED
CALGARY, ALBERTA
FINANCIAL STATEMENTS
FOR THE YEAR ENDED OCTOBER 31, 2012
Summarized Financials
Hawkings Epp Dumont LLP
Page 10
Chartered Accountants
Hawkings Epp Dumont LLP
Chartered Accountants
10476 Mayfield Road
Edmonton, Alberta
T5P 4P4
www.hawkings.com
Telephone: 780-489-9606
Toll Free: 1-877-489-9606
Fax: 780-484-9689
Email: hed@hedllp.com
INDEPENDENT AUDITORS' REPORT
To the Members of Canada Safeway Limited Employees' Savings and Credit Union Limited
We have audited the accompanying financial statements of Canada Safeway Limited Employees' Savings and
Credit Union Limited, which comprise the statement of financial position as at October 31, 2012, 2011 and
November 1, 2010, and the statement of comprehensive income, statement of changes in members' equity,
and statement of cash flows for the years ended October 31, 2012 and 2011, and a summary of significant
accounting policies and other explanatory information.
Management's Responsibility for the Financial Statements
Management is responsible for the preparation and fair presentation of these financial statements in
accordance with International Financial Reporting Standards, and for such internal control as management
determines is necessary to enable the preparation of financial statements that are free from material
misstatement, whether due to fraud or error.
Auditors' Responsibility
Our responsibility is to express an opinion on these financial statements based on our audit. We conducted
our audit in accordance with Canadian generally accepted auditing standards. Those standards require that
we comply with ethical requirements and plan and perform the audit to obtain reasonable assurance about
whether the financial statements are free from material misstatement.
An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the
financial statements. The procedures selected depend on the auditor's judgment, including the assessment of
the risks of material misstatement of the financial statements, whether due to fraud or error. In making those
risk assessments, the auditor considers internal controls relevant to the entity's preparation and fair
presentation of the financial statements in order to design audit procedures that are appropriate in the
circumstances, but not for the purpose of expressing an opinion on the effectiveness of the entity's internal
controls. An audit also includes evaluating the appropriateness of accounting policies used and the
reasonableness of accounting estimates made by management, as well as evaluating the overall presentation
of the financial statements.
We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our
audit opinion.
Opinion
In our opinion, the financial statements present fairly, in all material respects, the financial position of Canada
Safeway Limited Employees' Savings and Credit Union Limited as at October 31, 2012, 2011 and November 1,
2010, and its financial performance and its cash flows for the years ended October 31, 2012 and 2011 in
accordance with International Financial Reporting Standards.
Edmonton, Alberta
January 17, 2013
Stony Plain Office
Suite 101, 5300 - 50 Street
PO Box 3188 Stn Main
Stony Plain, Alberta T7Z 1T8
Telephone: 780-963-2727
Fax: 780-963-1294
Email: email@hawkings.com
HAWKINGS EPP DUMONT LLP
Chartered Accountants
Lloydminster Office
5102 - 48 Street
PO Box 10099
Lloydminster, Alberta T9V 3A2
Telephone: 780-874-7433
Fax: 780-875-5304
Email: hed@hedlloyd.com
Page 11 MANAGEMENT'S RESPONSIBILITY
FOR FINANCIAL REPORTING
To the Members of Canada Safeway Limited Employees' Savings and Credit Union Limited
Management has the responsibility for preparing the accompanying financial statements and
ensuring that all information in the Annual Report is consistent with these statements. This
responsibility includes selecting appropriate accounting principles and making objective
judgments and estimates in accordance with International Financial Reporting Standards and the
requirements of the Credit Union Act.
In discharging its responsibility for the integrity and fairness of the financial statements, as well as
for the accounting systems from which they are derived, management maintains the necessary
systems of internal controls designed to provide assurance that transactions are authorized,
assets are safeguarded and proper records are maintained.
The ultimate responsibility to members for the financial statements lies with the Board of
Directors. The Board appoints an Audit Committee to review the financial statements with
management in detail and to report to the Board prior to its approval to publish the financial
statements.
The Board appoints external auditors to audit the financial statements and to meet with both the
Audit Committee and management to review their findings. The external auditors' report directly
to the members. The external auditors' have full and free access to the Audit Committee to
discuss their audit, as well as their findings concerning the integrity of the Credit Union's financial
reporting and the adequacy of its systems of internal controls.
Calgary, Alberta
January 17, 2013
Cliff Roberts
General Manager
Page 12
CANADA SAFEWAY LIMITED EMPLOYEES' SAVINGS AND CREDIT UNION LIMITED
STATEMENT OF FINANCIAL POSITION
AS AT OCTOBER 31, 2012
October 31
2012
October 31
2011
November 1
2010
(Restated)
(Note 19)
ASSETS
Cash and cash equivalents (Note 5)
Investments (Note 6)
Income taxes receivable
Members' loans receivable (Note 8)
Deferred income taxes (Note 11)
Property and equipment (Note 9)
$
728,566
8,275,884
1,727
34,718,038
5,638
8,719
$
1,018,013
7,790,095
421
32,837,981
5,638
23,262
$
835,646
9,038,778
4,686
32,773,045
10,195
24,783
$ 43,738,572
$ 41,675,410
$ 42,687,133
$
$
$
LIABILITIES
Accounts payable and accrued liabilities
Members' deposits (Note 12)
155,507
40,621,328
92,318
38,641,822
114,897
39,672,205
40,776,835
38,734,140
39,787,102
139,405
2,822,332
139,508
2,801,762
139,641
2,760,390
2,961,737
2,941,270
2,900,031
$ 43,738,572
$ 41,675,410
$ 42,687,133
MEMBERS' EQUITY
Members' shares (Note 13)
Retained earnings
ON BEHALF OF THE BOARD:
______________________________ Director
______________________________ Director
Page 13 CANADA SAFEWAY LIMITED EMPLOYEES' SAVINGS AND CREDIT UNION LIMITED
STATEMENT OF COMPREHENSIVE INCOME
FOR THE YEAR ENDED OCTOBER 31, 2012
2012
INTEREST INCOME
Interest from member loans
Investment income
$
1,539,560
104,480
2011
(Restated)
(Note 19)
$
1,565,461
97,471
1,644,040
1,662,932
556,917
547,475
1,087,123
1,115,457
80,000
150,000
1,007,123
965,457
284,360
28,150
272,115
17,969
NET INTEREST AND OTHER INCOME
1,319,633
1,255,541
OPERATING EXPENSES (SCHEDULE 1)
1,236,903
1,203,409
INCOME BEFORE PATRONAGE ALLOCATION AND INCOME TAXES
82,730
52,132
PATRONAGE ALLOCATION
58,858
-
INCOME BEFORE INCOME TAXES
23,872
52,132
3,302
-
6,203
4,557
3,302
10,760
INTEREST EXPENSE
Interest on member deposits
NET INTEREST INCOME BEFORE PROVISION FOR
LOAN IMPAIRMENT
PROVISION FOR LOAN IMPAIRMENT (NOTE 8)
NET INTEREST INCOME AFTER PROVISION FOR
LOAN IMPAIRMENT
SERVICE CHARGES AND OTHER INCOME
LOAN RECOVERIES
INCOME TAXES (NOTE 11)
Current
Deferred
NET INCOME AND COMPREHENSIVE INCOME
The accompanying notes are an integral part of these financial statements.
Page 14
$
20,570
$
41,372
CANADA SAFEWAY LIMITED EMPLOYEES' SAVINGS AND CREDIT UNION LIMITED
STATEMENT OF CHANGES IN MEMBERS' EQUITY
FOR THE YEAR ENDED OCTOBER 31, 2012
Member
Shares
BALANCE, NOVEMBER 1, 2010
$
Net income and comprehensive income
Issuance of member shares
Redemption of member shares
$
210
(343)
BALANCE, OCTOBER 31, 2011
139,405
$
2,941,270
20,570
$
2,822,332
2,900,031
41,372
210
(343)
2,801,762
242
(345)
$
2,760,390
Total
41,372
-
139,508
Net income and comprehensive income
Issuance of member shares
Redemption of member shares
BALANCE, OCTOBER 31, 2012
139,641
Retained
Earnings
20,570
242
(345)
$
2,961,737
The accompanying notes are an integral part of these financial statements.
Page 15 CANADA SAFEWAY LIMITED EMPLOYEES' SAVINGS AND CREDIT UNION LIMITED
STATEMENT OF CASH FLOWS
FOR THE YEAR ENDED OCTOBER 31, 2012
2012
CASH PROVIDED BY (USED FOR) THE FOLLOWING ACTIVITIES:
Operating Activities
Interest received from members' loans
Interest received from investments
Other income received
Interest paid to members
Income taxes received (paid)
Net operating expenses paid
$
Financing Activities
Issue of members' shares
Redemption of members' shares
Net change in members' deposits
NET CASH AND CASH EQUIVALENTS INCREASE
Page 16
39,980
(1,874,078)
(1,184)
(500,000)
(54,289)
(14,173)
1,250,000
(2,375,262)
1,181,538
242
(345)
1,969,158
210
(343)
(1,039,018)
1,969,055
(1,039,151)
(289,447)
CASH AND CASH EQUIVALENTS, BEGINNING OF YEAR
The accompanying notes are an integral part of these financial statements.
1,533,581 $ 1,554,814
118,691
96,154
312,510
290,084
(546,569)
(538,840)
(4,608)
(1,938)
(1,360,294)
(1,296,845)
116,760
Investing Activities
Net change in members' loans receivable
Purchase of property and equipment
Net change in investments
CASH AND CASH EQUIVALENTS, END OF YEAR
2011
182,367
1,018,013
$
728,566
835,646
$
1,018,013
You Said It!...
When I received the notice of our annual meeting in the mail, I wrote the date
on my calendar as not to forget, that’s what we old folks do, and it’s a memory
thing. I read it and noticed that there was a statement made on both sides
referring to “Our Commitment”.
Webster’s dictionary defines commitment as “a pledge or promise” and I’m sure
that we all have experienced this when doing business with our credit union
comprised of a group of men and women who are totally dedicated to their
job. That friendly greeting and smile when you walk through the door. For me, it’s
that look of anticipation, does he have another one of his jokes to tell us? That
immediate attention you receive, whether you’re there to pay a bill or apply for
a loan, whatever your business, you know these people are there to give you the
very best service that you could ask for.
The success or failure of any business is dependent on quality of service and our
staff provides us with the very best of that service. Many of our staff has been
with us for a very long time and all of them regardless of length of service provide
us with a quality of service that other financial institutions only wish they had.
That casual sincerity of conversation when they listen to how our families are
doing, our state of health, whatever it might be and yet always that professional
attention and concern regarding our problems and always ready to help.
I know that all of us would like to extend to the management and staff of “Our
Credit Union” a sincere Thank You for their commitment to afford us the best
service possible. – Herb Grieder – 34 year member
Photos on page 4 (from top to bottom):
Top photo – Calgary Safeway Credit Union Officers 1954. Seated L-R: Mary Roberts, Director; Walter Z. Makar,
Managing-Director; Arthur Craig, President; Gus Eisworth, Vice-President; Pat Hodgins, Chairman of the Credit
Committee. Standing L-R: Dennis Waismen, Director; Merv Stephens, Supervisory Committee Member; Jack
Pearce, Credit Committee Member; Harry Langson, Chaiman of the Supervisory Committee.
Colour photo on the left – L-R: Linda Jones (seated), Colette Weber, Cheryl Beckerleg, Jo-anne Calvert, Betty
Ste. Marie, Cindy Brackman (seated on the right)
Colour photo on the right: Back L-R: Nick Swagor, Reg Barr, Cliff Roberts. Front L-R: Esther Koivisto, Mary
Huggard, Sandra St. Jean.
Black and white photo on the left – 1978 Board of Directors. Seated L-R: Merrill Richardson, Vice-President;
George Rannelli, President; Nick Swagor, Vice-President; Archie Wolfe, Director. Standing L-R: Jack
Schavemaker, Director; Kel Jorgensen, Director; Charlie Watts, Director.
Black and white photo on the right - 1978 Staff. Seated L-R: Edna Mae Smith, Assistant Manager; Walter Z.
Makar, Treasurer-Manager; Sharon Grandan, Office Supervisor; Al Pollock, Loan Manager. Seated second row
L-R: Colleen Lalonde, Secretary; Colette Weber, C.U.Teller. Standing L-R: Mary Huggard, Loan Interviewer; Mary
Ann Townsend, Collection; Bill Zanewick, Accounting; Sandy Babij, G.L. Bookkeeper; Cheryl Johnson, Secretary;
Linda Green, Chequing Accounts.
Colour photo, bottom left: Cliff Roberts, Merrill Richardson.
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Canada Safeway Limited Employees Savings and Credit Union
1822 – 10th Avenue S.W. Calgary, Alberta T3C 0J8
Telephone: 403.261.5681
Fax: 403.261.5748
Toll free (AB & BC): 877.723.2653
Office hours: Monday to Friday from 8:00am to 4:30pm
info@safewaycucalgary.com | www.safewaycucalgary.com