23 SEPARATE ANNUAL REPORT 2026 inter-departmental teams, workshops, and the deployment of a group-wide collaboration platform. Shared technologies will be evaluated, selected, and integrated, with adoption monitored closely. By 2029, at least 90 percent of key innovations will be fully implemented across the Group. This commitment to shared platforms and digital transformation will keep us on the cutting edge of technology, enabling greater efficiency, agility, and responsiveness to both market changes and member needs. Finally, we will foster a culture of continuous learning and collaborative growth. A centralised learning and development strategy will address skill gaps and promote knowledge sharing across entities. Pilot programmes will be refined into full-scale training initiatives, ensuring that by 2029, cross-entity training programmes are successfully implemented and maintained annually. This investment in people will strengthen our collective capacity to adapt, innovate, and thrive. Conclusion The way forward is clear: by prioritising customer service, embracing innovation, driving profitability, and investing in our people, the Group will achieve sustainable growth and deliver exceptional value to members and stakeholders. This three-year plan positions us not only to meet our targets but to remain at the forefront of service, technology, and collaborative excellence. It is a roadmap that balances financial discipline with visionary ambition, ensuring that the Group continues to grow stronger, more unified, and more resilient in the years ahead. Acknowledgement The Board of Directors acknowledges contributions made by elected officials, sub-committees, management, and staff during the reporting period, without whom the Credit Union would not have achieved the success that it did, leading up to its 56th Anniversary. The Board would also like to express thanks to retiring directors, Sis. Anne-Marie Burke Brewster, Bro. Gerard Prescod and Sis. Rochelle Belgrave, for their contributions and support to the success of the Credit Union during the reporting fiscal. Message of Condolence from the Board of Directors The Board of Directors extends heartfelt condolences to all members who lost loved ones during the reporting period. We also pause to honour and remember our dear colleagues, Miss Tracia Sargeant and Mr. Andrew Rolston, who passed away during the fiscal year. Their dedication, professionalism, and friendship enriched our organization, and their absence will be deeply felt. We share in the grief of their families and colleagues, and we stand together in support during this time of loss. MEMBERS 120,908 GROWTH +3.1% NEW MEMBERS +3,651 GROWING MEMBERSHIP STRONGER TOGETHER. GROWING TO SERVE YOU BETTER MEMBERS 120,909 3.1% TOTAL ASSETS $1.9B 5.1% TOTAL EQUITY $202.6M 2.8% OURCES .3M 6% NET INCOME $9.2M 77.9% NET LOANS $1.15B 1.9% DEPOSITS $1.6B 5.3% MEMBERS 120,909 TOTAL ASSETS $1.9B NET LOANS $1.15B CASH RESOURCES $513.3M $ WCCUL GROUP THE NUMBERS MORTGAGE LOANS + $14.5M 2.7% CONSUMER LOANS + $8.1M 1.4% BUSINESS LOANS 9.1% -$236.1K (CHANGE FORM PREVIOUS YEAR) EMPOWERING MEMBERS THROUGH LENDING $21.9 MILLION TAL NET LOAN GROWTH 1.9% Supporting and Empowering Members. 77.9% $9.2M NET INCOME AFTER TAX NEW DEPOSITS GENERATED FIRST TIME BORROWERS NEW M LOA $184.8M 247 $4. 1 TOTAL ASSETS $1.9B 5.1% TOTAL EQUITY $202.6M 2.8% CASH RESOURCES $513.3M 7.6% NET INCOME $9.2M 77.9% NET LOANS $1.15B 1.9% DEPOSITS $1.6B 5.3% MEMBERS 120,909 TOTAL ASSETS $1.9B NET $1. BPWCCUL GROUP BY THE NUMBE S MORTGAGE LOANS + $14.5M 2.7% CONSUMER LOANS + $8.1M 1.4% BUSINESS LOANS 9.1% -$236.1K (CHANGE FORM PREVIOUS YEAR) EMPOWERING MEMBERS THROUGH LENDING +$21.9 MILLION TOTAL NET LOAN GROWTH 1.9% Supporting and Empoweri Members. 77.9% $9.2M NET INCOME AFTER TAX 2.8% 7.6% 77.9% MEMBERS 120,909 BPWCCUL GROUP BY THE NUMBERS +$21.9 MILLION TOTAL NET LOAN GROWTH 1.9% Supporting and Empowering Members. 77.9% $9.2M NET INCOME AFTER TAX TOTAL EQUITY $202.6M 2.8% CASH RESOURCES $513.3M 7.6% NET INCOME $9.2M 77.9% DE $ MEMBERS 120,909 BPWCCUL GROUP BY THE NUMBERS EM +$21.9 MILLION TOTAL NET LOAN GROWTH 1.9% Supporting and Empowering Members. 77.9% $9.2M NET INCOME AFTER TAX S ME 120 TOTAL ASSETS $1.9B 5.1% TOTAL EQUITY $202.6M 2.8% CASH RESOURCES $513.3M 7.6% NET INCOME $9.2M 77.9% NET LOANS $1.15B 1.9% DEPOSITS $1.6B 5.3% MEMBERS 120,909 TOTAL ASSETS $1.9B NET LOA $1.15 BPWCCUL GROUP BY THE NUMBERS MORTGAGE LOANS + $14.5M 2.7% CONSUMER LOANS + $8.1M 1.4% BUSINESS LOANS 9.1% -$236.1K (CHANGE FORM PREVIOUS YEAR) EMPOWERING MEMBERS THROUGH LENDI G +$21.9 MILLION TOTAL NET LOAN GROWTH 1.9% Supporting and Empowering Members. 77.9% $9.2M NET INCOME AFTER TAX MEMBERS 120,908 GROWTH +3.1% NEW MEMBERS +3,651 GROWING MEMBERSHIP STRONGER TOGETHER. GROWING TO SERVE YOU BETTER MEMBERS 120,909 3.1% TOTAL ASSETS $1.9B 5.1% TOTAL EQUITY $202.6M 2.8% NET LOANS $1.15B 1.9% DEPOSITS $1.6B 5.3% MEMBERS 120,909 TOTAL ASSETS $1.9B NET LOANS $1.15B CASH RESOURCES $513.3M TOTAL EQUITY $202.6M MORTGAGE LOANS + $14.5M 2.7% CONSUMER LOANS + $8.1M 1.4% BUSINESS LOANS 9.1% -$236.1K (CHANGE FORM PREVIOUS YEAR) EMPOWERING MEMBERS THROUGH LENDING H embers. 7.9% NEW DEPOSITS GENERATED FIRST TIME BORROWERS NEW MEMBER LOANS $184.8M 247 $4.8M
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