Investor Fact Sheet
Q2 | 2015
As at June 30, 2015
(unaudited)
Business Solutions
At Concentra, we are committed to being credit union centric. That means everything that we do is
motivated around helping to improve your financial performance, diversify your risk and meeting the
evolving needs of your members.
Commercial Leasing creates value for your credit union by helping to retain members that
might look elsewhere for leasing needs and provide growth from an alternate revenue stream.
•
Concentra Trust works with you to provide registered plans and personal trust services directly
to your members.
YTD June 2015
YTD June 2014
Tota
l As
set
s
$7.
6B
illi
on
Owned by 218 members; credit unions,
centrals, & other cooperative
financial partners.
10
.9
Mi
llio
n
Co
ns
oli
da
ted
Net
Incom
e
•
ada
Can
Financial Markets creates value through Strategic Financial Management consulting to
optimize your balance sheet performance, in offering competitive investment offerings, and in
offering a Tier 2 FX platform which hosts a sophisticated online currency trading platform.
Fast Facts
ns
atio
Loc
•
n
Billio
4.9
$3
Residential Markets acquires, syndicates and securitizes residential mortgages for the
benefit of credit unions to enhance balance sheet performance and liquidity.
ration
inist
dm
rA
de
Un
•
**
$4.
1B
illi
on
ts
se
As
Commercial Markets creates value for your credit union by helping you manage issues such
as single issuer connection limits, in offering solutions to help you mange concentration levels
and in bringing commercial deals to your credit union to optimize your balance sheet and
diversify geographically.
illion
.9 B
$5
Across
•
Tota
l De
pos
its
ns
Loa
tal
To
$
C r Ca
ed na
it dia
Un n
ion
s
270
es
ye
plo
Em
f
o
er
Numb
W
ho
We
Ser
ve
$7,643
$6,629
$5,933
$5,342
$10,917
$13,544
7.6%
10.1%
62.5%
55.1%
Total Consolidated Assets
(Millions of Dollars)
Total Loan Assets
(Millions of Dollars)
Consolidated Net Income
(Thousands of Dollars)
Return on Common
Equity (%)
Efficiency (%)
Regional Credit Concentration
Targets and Financial Performance
Class A Dividends
(Thousands of Dollars)
7,000
6,661
6,661
Return on
Common Equity
Return on
Investment
6,661
6,000
5,329
5,000
24.3%
3,997
4,000
15.8%
14.3%
Asset Growth
Efficiency
1.2%
Long Term
Targets
2015
Target
YTD June
2015
8%-12%
8.2%
7.6%
3%-5%
4.0%
4.0%
10%-15%
13.0%
13.3%
45%-55%
57.0%
62.5%
3,000
Alberta
Saskatchewan
2.4%
36.8%
Quebec
5.2%
British Columbia
2,000
1,000
Manitoba
Atlantic
Provinces
Ontario
0
Contact Information
2011
2012
5% Pre-Tax
3% Pre-Tax
4% Pre-Tax
* Approved
2013
2014
YTD June
2015
Corporate Offices
Return or $0.69 dollars/share for 2011-2013
Return or $0.42 dollars/share for 2014
Return or $0.56 dollars/share for 2015
by the Board of Directors to be paid May 15, 2015
333 3rd Avenue North
Saskatoon SK
S7K 2M2
Loan Impairment Charges as a % of
0.18
0.50
Gross
Credit Loans
Loans Portfolio
13p3 x 10p graph
size
0.16
0.40
0.20
0.14
0.30
0.12
0.15
0.20
0.1
0.10
0.08
0.10
0.05
0.06
0
0.04
0.00
0.02
-0.050
&UHGLW8QLRQ&RPPHUFLDO
/HDVLQJ
5HVLGHQWLDO
-0.10
1-800-788-6311
ClientSupport@concentrafinancial.ca
concentrafinancial.ca
0.05
2008
2009
2010
2011
2012
Target
<7'-XQH
** CDIC Insured for eligible deposits with maximum basic protection of $100,000. For further information, please visit www.cdic.ca
(302-530)
© Concentra Financial Services Association, 2015
2055 Albert Street
Regina SK
S4P 3G8
2008
2009
2010
2011
2012
2013
Target