Understanding Canadian Credit Unions: Same Assets, Different Dynamics

The Conference Board of Canada, February 22, 2016
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The economic crisis of 2007–2008 caused a shakeup of the financial sector. Since then, the financial soundness of deposit-taking institutions has been of particular importance to policy-makers and central bankers alike.

While Canada’s financial system is often cited as one of the most stable in the world, the specific role played by Canada’s credit unions in this dynamic is not well understood.

Join Todd Crawford as he shares the conclusions of new research by the Conference Board of Canada. The findings fill a void in the understanding of credit unions by assessing their financial soundness both prior to, and after the financial crisis, while providing relevant comparisons to chartered banks where possible.

Todd will discuss how the difference governance structure of credit unions leads to important differences in key performance metrics such as asset mix, liquidity, and profitability. In light of the challenges that credit unions face, he will also describe how the unique attributes of credit unions have important consequences on how they are regulated.

Webinar Highlights

In this 60 minute webinar, Todd will explore:

  • How we benchmark the financial soundness of credit unions over time
  • Why the different governance structure of credit unions naturally leads to important differences between them and chartered banks.
  • Why comparing credit unions to chartered banks in Canada doesn’t always make sense

About Todd

Photo of Todd CrawfordTodd Crawford is a Senior Economist in the Conference Board’s Industrial Economic Trends research group. He conducts industry-specific research on a wide variety of issues including: labour market supply and demand, profitability, public policy, and a variety of economic impact and footprint studies. Since joining The Conference Board of Canada in 2006, Todd has worked in a number of areas and has moved into increasingly senior roles. He was responsible for forecasting all matters related to Canada’s energy sector. Todd has a B.A. in Economics from the University of New Brunswick and an M.A. in Economics from the University of North Carolina.

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