Bound by Purpose
2024 Annual Report

The Future of Member-Centricity:
Elevating Service Through Innovation

Click play to hear about our future of putting members first.

Northern Credit Union · The Future of Member Centricity (Richard Adam)

Northern Credit Union and Copperfin Credit Union have come together with a clear purpose: To create more value for our members and communities. We’ve combined our strengths to offer more competitive products, enhance digital banking services, and expand our team of financial experts. With increased lending capacity, improved service capabilities, and combined assets of $2.493 billion, we’re now in a stronger position to support members across our 25 Ontario communities. From buying a home, to growing a business, or planning for the future, we’re making banking more accessible while staying true to the personalized, member-first approach that sets us apart.

Click play to hear how we're centering everything around you.

Northern Credit Union · The Future of Member Centricity (Dennis Alvestad)

As we look ahead, our focus is on delivering a seamless, member-first experience that blends innovative technology with the personalized service that defines us. Members can expect faster loan approvals, smarter digital banking tools, and proactive financial insights that help them make confident decisions. Whether applying for a mortgage, managing business finances, or planning for a bright future, our members will have access to the right tools and expert advice, wherever and whenever they need it. We’re also strengthening our community partnerships, reinvesting in local initiatives, and ensuring our members feel the benefits of this merger in their daily lives. Together, we’re not just building a bigger credit union. We’re building a better one, ready to serve, support, and grow alongside our members for years to come.

Two years ago, Northern Credit Union and Copperfin Credit Union took the first step toward a stronger future. With a shared vision, we formed a Joint Partnership Committee to explore how coming together could expand our impact, enhance member value, and ensure long-term sustainability in an evolving financial landscape.

Through open collaboration, thoughtful strategy, and a commitment to what’s best for our members, we navigated this journey together, leading to a resounding yes vote. Today, we stand on the foundation of that collective effort, ready to build a future that is stronger, more innovative, and truly member focused.

As one credit union, we are now $2.493 billion in combined assets, with a team of over 300 employees serving 88,500 members across 29 branches in 25 Ontario communities. That’s a big footprint – over 1,860 kilometers geographically – but we’re more than ready to make it count. By combining our strengths, we’re building a forward-thinking, technology-enabled credit union that evolves with the needs of our members, team members, and communities.

For decades, credit unions have stood apart in the financial services industry, a distinction earned through our unwavering commitment to member-centric governance. This model, a guiding force built on a foundation of trust, cooperative values, and community impact, is a source of pride and reassurance for us all. As digital transformation reshapes how people interact with financial institutions, we have an opportunity—an imperative—to take our member-first philosophy even further.

Our one-page strategy model embodies a laser-sharp focus on member-centricity, leveraging technology to enhance, not replace, the personal relationships that define our credit unions. How do we ensure every member, whether they walk through our doors or log in from their phone, receives the same high-quality, personalized experience? By deeper engagement, predictive service, and the seamless integration of digital and in-person interactions.

Knowing our Members like Never Before

To be truly member-centric, we must not only understand our members' needs but also anticipate them and provide tailored solutions before they ask. The tools at our disposal today—data analytics, AI-driven insights, and enhanced CRM platforms—allow us to build a 360-degree view of each member’s financial journey. By harnessing these technologies, we move from reactive service to proactive engagement, ensuring our members feel seen, valued, and supported at every stage of their financial lives.

Digital and Human Working Together

Digital banking is no longer just a convenience—it is an expectation. However, as we integrate these technologies, we must preserve the human connections that define our institutions. The future is not about replacing personal interactions but enhancing them. Imagine a member who starts a mortgage application online but finishes the process with an advisor who already understands their financial picture. Or a small business owner who receives personalized loan recommendations based on real-time business trends. To achieve this, we will empower our employees and equip them with the tools and knowledge to provide the highest level of service, in-person or online, preserving the human connections that defines Northern Credit Union.

Bridging the Gap

Members expect the same experience no matter how they engage with us. A truly member-centric approach ensures that every interaction—digital, in-branch, or through a call centre—feels seamless, intuitive, and personal. Our role as leaders is to bridge any remaining gaps, ensuring our service delivery is as consistent as our commitment to our members. This requires investment in technology and a cultural shift—empowering employees to embrace new and enhanced digital tools while maintaining the warmth and empathy that make credit unions unique. In doing so, we must prioritize data security and privacy, ensuring trust remains at the heart of every interaction.

The Opportunity Ahead

We stand at a pivotal moment. With our member-first DNA, our credit union is positioned to thrive in this new era. Our competitive advantage is the combination of the services we offer and the relationships we cultivate. Embracing our new strategy—one that seamlessly integrates technology, deepens member relationships, and prioritizes service excellence will ensure Northern Credit Union remains indispensable to the members and communities we serve.

We extend our sincere gratitude to our members and shareholders for their trust and engagement, and to our team members for their dedication throughout this process. This is a historic moment that positions us to serve our members better, embrace innovation, and foster growth across Ontario.

Richard Adam
co-CEO

Dennis Alvestad
co-CEO

A Future Forward, Together

Click play for an introduction to the commitments shaping Northern’s future.

Northern Credit Union · A Future Forward, Together (Richard Adam)

On January 1st, 2025, Northern Credit Union and Copperfin Credit Union marked the start of a cultural and operational transformation driven by our shared purpose of Making a Difference in People’s Lives. As we move forward together, we remain more committed than ever to enhancing member experiences, investing in our communities, and fostering growth. Our shared values, resources, and vision are propelling us forward, and we’re excited to celebrate this milestone and the bright future ahead.

Member-Centric Improvements

At the heart of our credit union model is a promise to provide convenient, accessible, and personalized banking opportunities. We are reinforcing these values with key advancements to meet the evolving needs of our members.

Enhanced Financial Products and Services

We look forward to introducing complementary financial solutions that benefit all our members. This includes diversified wealth management services, differentiated products and services, and expanded branch access across the province, ensuring more opportunities for personalized financial guidance.

Streamlined Member Experiences

By understanding our members' needs more deeply, we can deliver experiences that not only meet but exceed expectations. We will leverage comprehensive data insights to make decisions that enhance relationships, expand banking options, and drive innovation.

Innovative Banking Solutions

We will be advancing our digital banking channels to provide smarter, faster, and more intuitive services. From online chats and mobile mortgage specialists to robust online applications and secure mobile wallets, members will have access their finances anytime, anywhere.

Upcoming Advancements

We’re already hard at work to deliver on our promises to enhance member experiences. Here are some exciting upgrades to look forward to:

Integrated and unified banking systems for all members

Mobile Wallets on all devices, for convenient contactless debit card payments

New opportunities for members to share feedback and shape our future

Innovative channel and service offerings for business accounts (Online application platform, Integrated invoicing, and Payroll services)

Strengthening Our Communities

Click play for an introduction to how we’re making a difference in our communities.

Northern Credit Union · Strengthening Our Communities (Dennis Alvestad)

At Northern, we are committed to building strong, resilient communities. That's why we invest in causes that support local growth and stability. Our combined efforts make Northern a powerful agent of social change, positively contributing to the growth and well-being of the communities we serve. See how we made an impact last year, and how we will continue to drive meaningful change.

Community-Centric Improvements

By combining our resources, we have unlocked immense opportunities to foster meaningful connections, make deeper impacts, and drive economic growth in the communities we serve. We will harness our collective power to make lasting, positive change that drives prosperity for generations to come.

Increased Financial Inclusion

Our commitment to building financially stronger communities goes beyond providing affordable lending and savings options. We will also use our resources to foster financial inclusion by providing tailored financial advice that empower individuals with the knowledge and tools they need to achieve long-term financial well-being.

Greater Local Economic Growth

We are now better positioned to support the growth of local businesses and drive economic prosperity. By strategically investing in larger local enterprises and fostering stronger partnerships, we aim to fuel long-term growth and create sustainable opportunities for economic development in our communities.

More Impact

We remain dedicated to Making a Difference in People’s Lives. With the ability to make larger, more targeted donations, amplify our team member engagement opportunities, and invest more into community initiatives, we will contribute to stronger, more vibrant communities for generations to come.

Donations from Border to Border

In 2024, we proudly made meaningful impacts across all 25 communities we serve. Here are some highlights of our efforts from the Manitoba to Quebec borders.

Arnprior:
$1,000 donation to Arnprior Cares to support refugee families who are choosing Arnprior as their new home.

Barry’s Bay:

$2,000 donated to the Community Resource Centre Killaloe Inc. to support a healthier youth community through free sports and recreation activities.

Capreol:
$1,600 donation to the Capreol - Bread & Roses Food Bank to help ensure everyone in the community has enough to eat.

Chapleau:
$2,000 donated to the Royal Canadian Legion, Harry Searle Branch No. 5, a place for veterans to gather, get support, and get involved in their community.

Chesley:
$1,000 donated to Chesley Kinsmen Club, to help improve park and playground accessibility for children in the community.

Deep River:
$2,000 donated to the Four Seasons Lodge long-term care centre to support resident care and resources.

Durham:
$2,000 donated to the Durham & District Food Bank to help provide food and essential items to anyone in need.

Eganville:
$2,000 donated to the Bonnechere Valley Library’s food and hygiene pantry that is available to all in the community.

Elliot Lake:
$2,000 donated to the Centennial Arena Fund, helping to complete necessary repairs so kids and families can get back on the ice.

Englehart:
$1,600 donated to the Rotary Club of Englehart’s Christmas Hampers, supporting their efforts of ensuring all families have a warm meal on the table.

Espanola:
$2,000 donated to the Espanola Pond Hockey Association, supporting their accessible and affordable programs for children to play hockey in a safe environment.

Garson:
$2,000 donated to the Garson Community Food Bank, supporting their mission to fight hunger and feed hope.

Hornepayne:
$1,600 donated to the Hornepayne Community Hospital’s Meals on Wheels program, which offers free hot lunches to anyone in the community.

Kirkland Lake:
$2,000 donated to the Kirkland Lake Salvation Army, helping to provide hundreds of food hampers for local families in need.

Kenora:
$5,000 donated to Lake of the Woods District Stewardship Association, which provides education on environmental sustainability and preservation of the region’s natural beauty.

North Bay:
$2,500 donated to OutLoud North Bay in support of their free mental health resources and programming for youth in the community.

Pembroke:
$6,600 raised for Recovery Road and St. Joseph’s Food Bank at the annual Northern Credit Union Charity Golf Tournament.

Red Rock:
$1,600 donated to the Legion Ladies Auxiliary Christmas Cheer program, helping to provide those in need with free vouchers for local grocery stores.

Richards Landing:
$1,000 donated to the St. Joseph Island Food Bank, helping to put warm meals on tables for the island residents.

Sault Ste. Marie:
$5,000 donated to the YMCA Stronger Communities Fund, helping the community shine through essential programs and services.

Sudbury:
$1,000 donated to the Go-Give Project to help fund water bottle purchases for the community’s most vulnerable.

Thessalon:
$2,000 donated to the Algoma Manor Nursing Home, helping residents thrive in a respectful, passionate environment.

Thunder Bay:
$1,600 donated to The Community Clothing Assistance which provides children with clothing for all four seasons.

Timmins:
$2,000 donated to Sports for Timmins Kids, helping children stay active and play sports by eliminating financial barriers.

Wawa:
$2,000 donated to the Lady Dunn Health Centre, which delivers exceptional healthcare services to everyone in the community.

Celebrating a Milestone:
The “Yes” Vote

We proudly embrace the co-operative “one member, one vote” philosophy, ensuring our decisions are always aligned with the needs and aspirations of our members. We sincerely thank our members for believing in us and for supporting our vision of a successful future, culminating in the successful "Yes" vote last year.

As a token of our gratitude and a reflection of our ongoing commitment to our communities, we marked this milestone in true Northern fashion – by donating $1 for every vote cast. This resulted in a total of $15,000 in local donations to help combat food insecurity, distributed across each of our 25 communities. These donations supported local food banks and initiatives that provide vital resources to those in need, further strengthening our mission to make a positive, lasting impact.

Our 2024 Impact

In 2024, we proudly gave back over $385,000, reinforcing our dedication to Making a Difference in People’s Lives.

Guided by the priorities of our members, team members, and communities, our impacts aligned with five Community Investment Pillars that focus on creating intentional and lasting impacts where they are needed most. Here is how we made a difference.

Social Wellness

As poverty, hunger, and homelessness continue to rise, our communities face increasing challenges. We are dedicated to changing this trajectory. In 2024, we contributed $157,000 to charities and organizations across Ontario working to combat these issues and help people live more dignified lives.

Mental Health

Access to quality mental health resources, especially in rural and Northern Ontario communities, remains a major barrier for those in need. In 2024, we contributed $52,380 to programs, charities, and facilities dedicated to making mental health support more affordable and accessible in our communities.

Local Member Business

Investing in local businesses strengthens our community's economy. In 2024, we proudly contributed $113,200 toward local business development, networking events, and startup initiatives to foster economic growth and prosperity.

Youth Physical Activity

Barriers such as affordability and physical, social, or mental disabilities prevent many children from participating in sports and physical activities. In 2024, we contributed $45,100 to initiatives that create equitable opportunities for all children to get active, regardless of the challenges they face.

Environmental Sustainability

Sustainable communities are places where people want to grow, live, and stay. In 2024, we contributed $16,800 to environmental initiatives, actively supporting a greener future.

Looking Ahead

A key focus of our combined credit union is developing a unified community investment strategy that serves as the foundation of our impact. By leveraging member and community data, we’ll gain deeper insights into what matters most to our members and how we can be a force for good. Just as our communities shape us, we look forward to hearing from our members about the causes they’re passionate about and how we can support their aspirations for local impact. As our pillars evolve to meet changing needs, our commitment remains the same: supporting those in need, strengthening local businesses, fostering resilient communities, and empowering future generations for equitable, sustainable lives.

Our Team

Click play for an introduction to how we’re supporting the people behind Nothern’s success.

Northern Credit Union · Our Team (Richard Adam)

Our team members are the heart, soul, and talent that move us forward. By prioritizing their growth, development, and well-being, we are building a culture of continuous improvement that empowers them to provide exceptional care and services to our members. Learn how we are more capable of achieving this goal together.

People-Centric Improvements

Supportive Workplace Culture

By bringing together like-minded individuals who are passionate about delivering exceptional member experiences, we are building a supportive culture of teamwork, collaboration, and diverse perspectives. Working together, our team will drive Northern to new heights.

Learning and Development Opportunities

Through our pooled resources and expertise, we will provide our team members with enhanced learning and development opportunities, spanning a broader spectrum of skills. This approach deepens their knowledge and equips them with the tools to excel in an evolving financial environment. It also builds mutual confidence between our team members and members, demonstrating our commitment to helping them achieve their financial goals.

Career Progression and Stability

As a larger organization, we can offer more career advancement pathways that allow our team members to thrive professionally, provide greater job stability, and contribute to the continued success of Northern. Additionally, we are better equipped to attract and retain top talent with more competitive compensation packages and an engaging workplace culture.

Investing in Growth and Development

$110,549 invested into leadership development

Prioritizing our team’s development means investing in the skills and competencies necessary to excel in their roles. In 2024, team members in all levels of our organization participated in four eLeadership Academy courses to foster learning, retention, discussion, and application of relevant leadership concepts. Participating team members gained new skills in self-awareness, coaching, change-management, emotional intelligence, and more to better assist their peers and Northern in achieving our shared goals.

Team Members Making a Difference

Contributing to the well-being of our local communities is one way we create meaningful work for our team members. By offering paid volunteer time and bi-weekly payroll donation programs, we empower our team to support the causes that matter most to them. This culture of giving fosters deeper community connections while allowing team members to see the direct impact of their contributions. Whether through hands-on volunteer work or financial support, Northern team members are making a real difference in the places we call home, and we look forward to seeing what our bigger team can do.

“Thank you, Northern Credit Union, for the opportunity to support The Echo Bay Food Bank through the payroll donation program. This is a great initiative that encourages staff to get involved while being able to give back to our communities! For the month of March, I was fortunate enough to be selected to donate $250 to the charity of my choice.”

– Lindsay Palmer, Branch Manager, McNabb Street

“Two co-workers and I participated in Earth Day Community Clean Up in the town I live and work in, Deep River. We volunteered for 3 hours, tidying up and picking up garbage and recycling. I chose to donate my $100 cheque to Deep River Summerfest. Thank you, Northern Credit Union, for providing the opportunity to volunteer and donate in our community and make a difference in people’s lives.”

– Wendy Redford, Member Experience Representative, Deep River

“Making a difference in my community has always been important to me, and I love that I have so many opportunities to get involved. Whether it’s volunteering, supporting local initiatives, or lending a hand where it’s needed most, I’m proud to be part of a team that truly cares."

– Frank Solly, Member Representative, Syndicate

$17,254

donated through employee programs, to charities of their choosing

1,800+

hours of recorded employee volunteerism

Building a Stronger Financial Future

Click play for an introduction to how we are securing financial strength for our members.

Northern Credit Union · Building a Stronger Financial Future (Dennis Alvestad)

Creating a stronger financial future for our members and communities is at the core of our new organization. With a larger membership base, stronger total assets, and a resilient capital position, learn how better equipped we are to support our members’ financial goals in an evolving landscape.

A significant benefit of our combined organization and safeguard for future growth is our solid financial position. Together we hold $2.493 billion in assets and have a net income of $8.825 million, which are expected to increase to $2.640 billion and $14.743 million respectively by the end of 2027.

Our strengthened financial position not only reinforces our stability but also empowers us to optimize the products and services we offer. As the economy continues to evolve, with shifting market trends and changing member needs, we are well-prepared to navigate these dynamics while ensuring sustainable growth. With greater resources, we can develop innovative financial solutions that are tailored to each member’s unique life stage, whether just starting out, planning for major milestones, or preparing for retirement. This strong foundation allows us to invest in technology, improve accessibility, and provide personalized support, ensuring that we grow alongside our members and help them achieve their financial goals with confidence.

88,449

total members

5,550

total business members

$2.493

billion in assets

$8.825

in net income

Board of Directors Governance

Click play for an introduction to how our governance drives Northern forward.

Northern Credit Union · Board of Directors Governance (Richard Adam)

At Northern, our members aren’t just account holders – they're owners. Democratic Member Control is at the heart of our credit union model, ensuring that our members have a direct say in shaping our future. Through elected representatives, they help set policies and guide key decisions. Explore how our governance model keeps Northern accountable, transparent, and truly member driven.

Our Governance Philosophy

The Credit Union recognizes the critical role that effective governance plays in Northern’s success, as it sets the foundation for effective decision-making and oversight. The role of the Board is to represent the interests of stakeholders, provide strategic direction that is aligned with our purpose, and create a vibrant, dynamic, and successful credit union.

The Credit Union is committed to achieving high standards of effective governance, challenging itself to move beyond compliance and to govern with excellence. It recognizes that the Board is responsible for governance and that what the Board does, and how it does it, is fundamental to achieving good governance.

Northern Credit Union’s Board of Directors, operating as a policy board, approves a comprehensive set of Board policies that provide broad direction and delegate authority to Management for the operations of the Credit Union, to ensure consistency with those Board policies.

The Board oversees Management decisions to ensure that sound and prudent practices are supported by effective organizational and procedural administrative systems. Effective internal controls are established to ensure compliance with applicable laws, regulations, rules, and established policies. In carrying out the Board policies, Management develops its own operational policies and practices.

The board's commitment to the organizational purpose involves a deep understanding of the organization's mission, values, and goals. It also involves ensuring that these values and goals are reflected in all aspects of the organization's decision-making processes. The Board works closely with Management to ensure that resources are allocated to support the organization's strategic purpose and to monitor progress toward achieving its goals.

Our Board of Directors

To meaningfully represent the combined size and scope of our new organization, a unified Board of Directors has been established. We are proud to introduce our Board, whose expertise will ensure strong, dynamic leadership, that guides us toward a successful and sustainable future.

Max Liedke

Board Chair (2025 – 2027)

Max Liedke is an Accredited Canadian Credit Union Director (ACCUD) and has been a credit union Board member since 2019, sitting on multiple committees during this time. Mr. Liedke is a Certified Public Accountant (CPA) and is currently a Senior Vice President at Health Sciences North.

Amber Aird-Williams

Vice Chair (2025 – 2028)

Amber Aird-Williams is an ACCUD and was first elected as a credit union Board member in 2022. She is a CPA, currently employed as the CFO of a manufacturing company in Cambridge, Ontario. She also has an MBA and a Bachelor of Mathematics, and Information Systems Management.

Cameron Ross

Cameron Ross has been a credit union Board member since 2021, receiving his Institute of Corporate Directors (ICD), Canadian Risk Management (CRM), and ACCUD designations. Mr. Ross has been the President and CEO of the Algoma Mutual Insurance Company for over 25 years and is active in his community.

Chris Thorne

Chris Thorne has been a credit union Board member since 2022, completing the ICD-Rotman Directors Education Program and the Credit Union Director Achievement (CUDA) program in this time. Mr. Thorne is Partner and Vice President of Titan Partners Ltd. (Kenora) and Vice President, Corporate Development at Titan Contractors (Kenora) Ltd. Chris is very involved with the community and serves on the Kenora Community Foundation’s Finance Committee.

Colt German

Colt German has been a credit union Board member since 2021, completing the CUDA program during this time. Mr. German is a CPA currently working as an Accountant at K-Sports Marine Inc. and is the Director of Finance for the Kenora Chiefs Advisory.

Daniel McCoy

Daniel McCoy was elected as a credit union Board member in 2020, receiving his ACCUD designation during this time. Mr. McCoy is a lawyer licensed to practice law in Ontario, currently working as an associate lawyer at Nahwegahbow, Corbiere Genoodmagejig Barristers & Solicitors, based on Rama First Nation. His law practice exclusively represents First Nations’ governments, businesses, and individuals.

Janet McCutchon

Janet McCutchon has been a credit union Board member for over 20 years. Mrs. McCutchon has completed the CUDA program and participated in the Audit Committee Effectiveness and the Art and Science of Chairing training programs offered by the ICD. She was a licensed pharmacist in Thunder Bay for more than 40 years.

Kevin Squissato

Kevin Squissato has been a credit union Board member since 2020, serving as Vice Chair and receiving his ACCUD and ICD.D designations during his time. Mr. Squissato served 22 years in the Canadian Armed Forces, operationally deployed throughout the Middle East and Canadian Arctic. Mr. Squissato is a CPA, presently employed as the Director of Finance/Accounting at Manroc Developments.

Piyush Shukla

Piyush Shukla has been a credit union Board member since 2024. With a Bachelor of Science degree in engineering, Mr. Shukla is currently employed at Algoma Steel Inc. as Enterprise Risk Manager, responsible for developing and architecting an enterprise risk management program. He is active in his community, serving as a volunteer for a food drive campaign and supporting newcomers to the community.

Rejean St-Amour

Reg St-Amour has been a credit union Board member since 2022, receiving his ACCUD designation in this time. Previously, Mr. St-Amour served on the Sault Area Hospital Board filling several progressive roles including Board Chair. He established St-Amour Consulting, which provides organizations with strategic executive leadership services related to business transformation and information technology.

Robert Jankovic

Robert Jankovic has served nine non-consecutive years on a credit union Board, most recently as Board Chair in 2024. Mr. Jankovic has completed the Audit Committee Effectiveness and HR & Compensation Committee Effectiveness courses through the ICD, is a certified Corporate Director (ICD.D) and has earned his CUDA designation. He is a Certified Human Resources Leader and Professional, presently working as Health Care Administrator for the Canadian Armed Forces.

Suzanne Klatt

Sue Klatt is an ACCUD who has been on a credit union Board since 2014, serving as Vice Chair from 2022-2024. Ms. Klatt has worked in municipal government since 2002, currently in the position of CAO/Clerk. She has acquired her Certified Municipal Officer Diploma in Municipal Administration and Accredited Ontario Municipal Clerk accreditation. Ms. Klatt is an active member of the Association of Managers, Clerks, Treasurers of Ontario, is a mentor for CMO applicants, and is active in her community as a volunteer on several other committees and groups.

Board Diversity Report

Northern Credit Union is committed to cultivating diversity, equity, and inclusion in all aspects of our work, including within our Board of Directors. Our unified Board reflects the diverse gender, ethnic, generational, and professional backgrounds of our members and communities, bringing together a broad range of perspectives, experiences, and skills.

Our Board members hold a wide range of accreditations, designations, and certifications, ensuring expertise in critical credit union governance areas including financial reporting, strategy, planning, risk management, leadership, human resources, legal, and administration.

The Nominating Committee carefully selects and endorses the most qualified candidates, prioritizing competency and diverse representation to provide strong, effective oversight. Recognizing that diversity and inclusion are ongoing commitments, we continuously review and enhance our practices to drive meaningful progress.

25% women, including Vice-Chair

17% black, indigenous, and/or people of colour (BIPOC)

7 previous Northern Credit Union Board Members

5 previous Copperfin Credit Union Board Members

Land Acknowledgment

Northern Credit Union’s footprint spans the territories of many First Nations in Ontario and Quebec and includes territories subject to the Robinson Superior Treaty of 1850, Robinson Huron Treaty of 1850, Treaty 9, the Saugeen Tract Purchase of 1836 and Unceded Algonquin Territories. We would like to acknowledge all nations whose territories host our branches and thank them for welcoming us to their territories. As settlers, this recognition of the contributions and historic importance of Indigenous peoples must be clearly and overtly connected to our collective commitment to make the promise of Truth and Reconciliation real in our communities.

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Bound by Purpose2024 Annual Report

The Future of Member-Centricity: Elevating Service Through Innovation