Saskatchewan Credit Union Difference

Saskatchewan Credit Union Difference
2013
saskcu.com
Table of Contents
Message from the President and CEO . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3
Credit Union System. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4
Fair Taxation for Saskatchewan Credit Unions. . . . . . . . . . . . . . . . . . . . . . . . . . . . 5
Financial Literacy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9
Credit Union Impact – Our Difference. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
GIVING BACK in Hundreds of Ways . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14
Saskatchewan Communities Served by Credit Unions . . . . . . . . . . . . . . . . . . . . . . 15
2
Message from the
President and CEO
June 2013
The Saskatchewan credit union system is pleased to share the enclosed information with elected
officials throughout Saskatchewan. The messages contained herein reflect the collective voice of 55
Saskatchewan credit unions that serve 502,000 members in 264 communities throughout the province.
This information is intended to increase your awareness about the distinct credit union difference,
in particular our concern respecting credit union taxation.
We know the provincial government is committed to ensuring small-medium sized businesses can
compete and thrive within Saskatchewan. Not only are credit unions independent small-medium sized
businesses, we also provide commercial lending to close to 50% of the small-medium sized businesses
in Saskatchewan. A recent report from the Canadian Federation of Independent Business found that
credit unions came out on top for serving entrepreneurs in the areas of financing, fees, experience with
account managers and service.
Earlier this year, the federal government, without consultation, announced changes to the credit union
federal tax regime. We understand this means the provincial government will be reviewing the changes
and considering how to respond. Any change to the current credit union tax regime will negatively
impact credit unions’ ability to exist as second tier financial institutions throughout Saskatchewan.
This also means potential changes credit unions may need to consider could include: reduced
community investment, streamlined operations which could impact employment, changes in pricing,
reduced growth to manage capital constraints and reduced investment in innovation and development.
Saskatchewan credit unions evolved during the 1930s by providing financial services to people who were
unable to obtain loans through mainstream banks. Since then, credit unions have not only served as a
financial service option to communities throughout the province, credit unions have also proven to be
a pillar of stability for Saskatchewan during good times and bad.
Our long history of working with community leaders and elected officials to support the social and
economic fabric of Saskatchewan is something we are inherently proud of. We look to the Government
of Saskatchewan to recognize our unique model, our purpose and commitment to the Province of
Saskatchewan. We further ask the Government of Saskatchewan to advocate for and support our request
to maintain the current tax regime for credit unions and not impose a combined 14% taxation rate
increase for credit unions.
In the coming weeks, credit union representatives will be taking steps to contact you to discuss this
important issue of taxation. We look forward to the participation of government in these discussions
to ensure continued strength of credit unions and economic success of Saskatchewan.
Sincerely,
Dean Walde, President of the Board
Credit Union Central of Saskatchewan
Keith Nixon, Chief Executive Officer
Credit Union Central of Saskatchewan
3
Credit Union System
SASKATCHEWAN CREDIT UNION SYSTEM
•
•
•
•
•
•
•
•
•
Credit unions: 551
Credit union locations: 297
Number of communities served: 264
Members: 502,413
Employees: 3,479
Total assets: $16.9 billion
Agricultural loans: $2.0 billion
Commercial loans: $3.5 billion
Consumer and residential loans: $6.6 billion
Saskatchewan credit unions are
committed to building financial
well-being and growing communities
through a common vision, mission
and values.
VISION
Building lives, fulfilling dreams
MISSION
Help our communities thrive
VALUES
As of December 31, 2012 unless otherwise stated.
Honest, Trustworthy,
Co-operative, Enterprising
CANADIAN CREDIT UNION SYSTEM
•
•
•
•
•
Credit unions: 348
Credit union locations: 1,762
Members: 5.3 million
Employees: 27,500 (approximate)
Total assets: $152.5 billion
All figures have been rounded and are current as of December 31, 2012
unless otherwise indicated.
1
As of January 1, 2013
4
Fair Taxation for
Saskatchewan Credit Unions
The federal government recently changed the credit union tax regime. We understand the provincial tax
regime currently mirrors the federal regime. As a result of the changes, the Government of Saskatchewan
will be reviewing the changes and considering how to respond.
Our Ask: The provincial government is committed to ensuring small – medium sized businesses can
exist, grow and compete within Saskatchewan. We ask the provincial government to maintain the current
tax regime for credit unions. Any change to the tax provision will impose a 14% rate increase for credit
unions or approximately an additional $10.6 million per year. The current tax provision in the Income
Tax Act, 2000 achieves the following:
•
Recognizes credit unions as provincially regulated small sized financial institutions in comparison
to banks
•
Recognizes the requirements placed on the financial sector to increase capital standards and the
reliance of co-operatives on retained earnings as their primary source of capital
•
Maintains a tax regime that considers the co-operative business model and its democratic
governance
•
Considers the credit union impact and the maintenance of the robust credit union system that
provides an alternative to the large national chartered banks
•
Enables credit unions to continue to support the growing economy in Saskatchewan through their
support of small and medium sized enterprises and provision of small business financing options
Credit unions are not the same as banks. Credit unions are different in purpose, ownership and operation
from other financial institutions. The 55 Saskatchewan credit unions are each independent financial
institutions. Any change to taxation overlooks the unique credit union business model and the important
role credit unions play in Saskatchewan and throughout Canada. Credit unions do not raise capital the
same way banks do. Credit unions rely significantly on retained earnings to raise capital. Today, the
Saskatchewan Income Tax Act recognizes this.
99 Credit
unions support local economies and create jobs
99 Credit
unions are second tier financial institutions in Saskatchewan
99 Credit
unions are at the heart of 264 communities throughout Saskatchewan
The Canadian credit union system was shocked when federal Finance Minister Jim Flaherty announced
that credit unions will pay higher federal income tax in 2013 and in future years. The 40 year old federal
tax deduction, unique to credit unions, will be phased out over the next five years. This federal tax
increase contradicts the federal government’s intention, stated elsewhere in the federal budget, to
encourage the growth of smaller financial institutions in Canada. Credit unions are the alternative to
large national chartered banks and operate within a unique and local business model.
5
While the federal announcement is significant to credit unions, the provincial tax regime is also of
particular concern. If the provincial tax provision were to be removed, the additional tax paid by credit
unions would be approximately $7.6 million per year. Today, the provincial tax deduction ensures a
competitive balance exists between credit unions and banks and ensures appropriate amounts of tax
are paid by each depending on size. The deduction was further intended to ensure that a second tier
of financial institutions could exist in Canada. The tax deduction recognizes the unique credit union
business model and the significant role we play as second tier financial institutions within Saskatchewan.
Credit unions continue to experience ongoing competition from well-capitalized chartered banks.
To date, the credit union system has managed to find ways to adapt in order to maintain market share
alongside banks. This isn’t without significant challenges.
One of the biggest challenges for credit unions is accessing capital. Just like banks, credit unions are
required to retain an ever-increasing amount of capital to ensure soundness. However, credit unions
rely significantly on retained earnings to build capital. Alternately, banks are positioned to access
international capital markets to diversify their sources of revenue and risk. Credit unions can replicate
some diversification, but only to a limited extent given that we are provincially regulated and therefore
are required to operate within provincial boundaries.
Credit union difference
There is a distinct credit union difference. Credit unions are dedicated to serving communities
throughout Saskatchewan. Each credit union is an independent financial institution locally based,
member-owned and uphold a democratic governance structure. While earnings are important to
credit unions in order to meet capital requirements and provide a return on funds to the members,
we are values-based financial institutions guided by well-recognized co-operative principles.
455.4
429.6
347.2
327.8
278.3
4.2
2.5
1.5
1.1
0.8
Conexus
Affinity
Innovation
Synergy
Cornerstone
BMO
CIBC
Scotia
Domestic assets only
TD
Our relative size in the province can be
overestimated because of our visibility
and the service levels we provide.
However, in reality, the average assets
of Saskatchewan’s top five credit unions
is only 1/35 the size of the average assets
of BMO, CIBC and the Royal Bank.
Five largest banks and Saskatchewan credit unions
Total assets in $B (2012)
RBC
Credit unions are small compared to
banks, yet our commitment can be seen
through our 264 communities served.
In comparison, the total number of
communities served by chartered banks
in Saskatchewan is 119.
6
Access to Capital
One of the most significant differences between banks and credit unions is the restricted access to
capital markets to generate capital like banks. Credit unions issue shares to members for a nominal value
generally $5 - $10 per membership share. Credit unions can also issue patronage shares. Membership
shares may be redeemed by the member; therefore, they do not meet the requirements of permanence
and are not considered Tier 1 capital. Banks issue shares through capital markets which qualify as Tier
1 capital because shareholders can sell bank shares on capital markets rather than redeeming them
through the bank. Tier 1 capital requirements are increasing in response to new international standards
introduced following the 2008 market disruption. For credit unions, 75% of their capital comes from
retained earnings, which is the primary source of credit union capital. Any change to income tax deprives
credit unions of income that might otherwise be used to support the growth of the credit union by
building its capital base.
Today’s current capital requirements already require credit unions to moderate their growth, which
places them in a difficult position and compromises their ability to continue to support the growth of the
Saskatchewan economy. Many credit unions have had to turn away commercial lending opportunities
due to current capital constraints. Any tax change would further amplify this problem and hinder credit
unions’ ability to continue to support growth. This is of particular significance to the growing small
business sector in Saskatchewan. As of December 31, 2012, credit unions held $3.5 billion in commercial
lending or 49.7% of the provincial market share. To support the continued economic growth in the
province, credit unions want to be in a position to provide small business financing options to this sector
without additional constraints.
A new report from the Canadian Federation of Independent Business (CFIB) shows that small-medium
sized businesses prefer credit unions to Canada’s big banking institutions. The report called Battle of the
Banks found that credit unions came out on top for serving entrepreneurs in the areas of financing, fees,
experience with account managers and service.
Impact
Any tax increase will impact credit unions representing 94% of the Saskatchewan credit union member
owners.1 If the provincial government were to remove the tax deduction, the provincial impact would be
an additional 10% tax (estimated impact of $7.6 million per year). Combined, the additional federal and
provincial tax amount would be 14% (estimated impact of $10.6 million per year). The combined federal
and provincial tax change for credit unions would result in an effective tax rate of approximately 26.3%;
whereas the maximum any business can pay is 27%. Comparatively, the effective tax rate for the top five
chartered banks is approximately 21.3%.2
1
2
The smallest credit unions representing approximately 6 percent of the membership would not be impacted.
Includes: BMO, CIBC, RBC, Scotiabank and TD Bank.
7
This significant impact would require credit unions to alter their business plans to consider how to
maintain their current level of retained earnings required to meet the increased capital standards.
Potential changes could include: reduced community investment, reduced investment in innovation
and development, streamlined operations which could impact employment, changes to pricing,
or reduced growth to manage capital constraints.
We ask the provincial government to recognize that the rationale for establishing the existing credit
union tax regime continues today. We urge the provincial government to recognize the small and local
nature of credit unions as compared to banks and the uniqueness of the business model.
We understand governments want to ensure a strong and competitive second tier of financial institutions
continues to thrive. In Saskatchewan, credit unions essentially are this option. We are hopeful that
government continues to recognize credit unions as more than a financial institution, but a pillar of
stability to the province of Saskatchewan.
Credit unions value the provincial government’s policy position which has always recognized the credit
union difference and the unique contribution made to the province of Saskatchewan. It is critical to
the future of Saskatchewan credit unions that government continues to understand this difference and
remains committed to ensuring this policy direction.
In closing, we ask the Government of Saskatchewan to advocate for and support the credit union request
to maintain the current tax regime and not impose a combined 14% taxation increase on credit unions.
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Financial Literacy
The Saskatchewan credit union system has been a long-time advocate to improve financial literacy for
all Saskatchewan people. For decades credit union employees have helped teachers in local schools by
presenting financial literacy information. While the information is well received by students and teachers,
it was only offered on an ad hoc basis. Over time, credit union employees continued to see a growing
number of individuals making poor financial decisions, despite efforts to educate young people.
The problem was beyond the reach of credit unions.
Since 2008, Saskatchewan credit union leaders have been meeting with provincial Members of the
Legislative Assembly and other stakeholders to further our position which is to:
•
Continue to take steps to improve financial literacy content offered to all Saskatchewan students
•
Commit to ensure financial literacy is a mandatory core requirement for all Saskatchewan students
•
Provide appropriate training and support for educators who will be responsible for delivering
financial literacy material to students.
In October 2012, the credit union system was pleased to see the provincial government commitment
to financial literacy in the Saskatchewan Plan for Growth: Vision 2020 and Beyond. We would like
to commend government for identifying financial literacy as a priority. We understand government
is committed to ensuring Saskatchewan students receive information, education and experience
needed to gain financial literacy, identify future career paths and learn how to start a business. This
would happen by providing career development opportunities for youth in schools and access to
entrepreneurship training offered through Junior Achievement. In addition, we commend government
for expanding financial literacy education in the K-12 system and expanding post-secondary co-op and
career development opportunities.
We thank you for this commitment.
9
The Saskatchewan credit union system also participated in the federal Task Force on Financial Literacy.
The results and recommendations from this work are available through the National Strategy on Financial
Literacy. We ask the provincial government to work collaboratively with the federal government to
implement recommendations complimentary to the provincial goal.
The Saskatchewan credit union system is willing to explore playing a supporting role to ensure all
Saskatchewan students receive access to financial literacy.
10
Credit Union Impact –
Our Difference
Credit unions make a significant contribution to the provincial economy and local communities. We look
to the provincial government to ensure the business environment for credit unions is fair, robust and
responsive to the changing Saskatchewan marketplace.
Credit unions help the people of Saskatchewan build lives and fulfill dreams by providing a full range
of financial products and services with the support of a co-operative network of partners and affiliates.
These services are offered through 297 branch locations in 264 communities and through current
technology options. In 162 communities, the credit union is the only financial institution.
As of December 31, 2012, credit unions provide financial services to more than 500,000 members
throughout Saskatchewan. This means close to 50 per cent of Saskatchewan residents have a
membership with a credit union.
Credit unions balance the need for growth with the needs and well-being of members and communities.
It’s an integral part of who we are and helps define our difference.
Credit unions are also connected to a larger national and international network of credit unions.
Together, we are all dedicated to ensure the highest standards of financial performance for our
members. Ensuring the betterment of local communities is considered in all of our decisions.
Excellent Customer Service
Our commitment to the best possible member experience was
recognized through the 2012 Ipsos Best Banking Awards. For
the eighth consecutive year, Canadians ranked credit unions
first in overall Customer Service Excellence among all financial
institutions. For the 8th year in a row credit unions took sole
honours in Branch Service Excellence and for the 5th year in a
row sole honours were awarded for Values My Business. Credit
unions also tied for first place in the categories of Financial
Planning & Advice and Telephone Banking Excellence among
all financial institutions.
Democratic
Credit unions’ democratic structure allows local members to
elect the board of directors who provide strategic direction
to credit union management teams. This grassroots model
enables credit union members to be engaged and part of the
electoral process. Throughout Saskatchewan, there are more
than 500 local credit union board members.
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Revenue for the People and the Province
Each year, profits generated by credit unions are returned to members in the form of patronage equity
and dividends. In 2012, Saskatchewan credit unions returned $16 million to their members. Saskatchewan
credit unions also contributed over $22.7 million in taxes to the Province of Saskatchewan.1
In addition, Saskatchewan credit unions contribute millions of dollars to communities annually through
donations, sponsorships, reduced fees for non-profit organizations and in-kind donations. In 2012
alone credit unions contributed more than $6 million. Credit union employees logged nearly 30,000
hours of volunteer time in 2012 and fundraising efforts brought in more than half a million dollars for
causes like the Children’s Hospital Foundation of Saskatchewan, Red Cross Disaster Relief, Terry Fox Run
and Telemiracle.
Key Employer
Credit unions play a significant role in the Saskatchewan economy, employing close to 3,500 people.
Outside of the public sector, the credit union system is one of the largest employers in the province.
The credit union system has been recognized for its contributions. For example, the list of 2012
Top 100 Saskatchewan Companies compiled by the Regina Leader-Post and Saskatoon StarPhoenix
newspapers features four credit unions. In addition, SaskCentral is proud to have been named
“Canada’s Best Workplace” for 2012 by the Great Place to Work® Institute Canada.
Financial Stability
While global economic uncertainty continues, the credit union system continues to be stable
ensuring consumer confidence. Credit unions are proud to continue to offer a wide range of
competitive financial products and services. As of December 2012, Saskatchewan credit unions
produced the following results:
1
2
•
$16.9 billion in assets or about 31.8 per cent of the market share.
•
$6.6 billion in consumer credit and residential loans, which reflects approximately 21.6 per cent of
the market share.
•
$2.0 billion in agricultural financing, which reflects approximately 19.3 per cent of the total farm
debt outstanding in Saskatchewan.
•
$3.5 billion in authorized credit to Saskatchewan businesses, most of which are small and medium
sized enterprises. Credit unions hold approximately 49.7 per cent of the commercial loan market
share in Saskatchewan.2
Represents approximate total paid by Saskatchewan credit unions to provincial corporate tax and sales tax.
CUDGC’s Consolidated Financial and Statistical Report, the Bank of Canada’s Banking and Financial Statistics Report and Statistics Canada.
December 31, 2012. Asset share, consumer credit and commercial credit is a comparison of Saskatchewan credit unions to that of Saskatchewan
chartered banks only. Agricultural market share is a comparison of Saskatchewan credit unions to the sum of credit issued by federal government
agencies, provincial government agencies, private individuals and supply companies, advance payments and other dealers, stores or individuals.
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Guaranteed Security
Deposits held in Saskatchewan credit
unions are fully guaranteed by Credit
Union Deposit Guarantee Corporation
(the Corporation), the primary regulator
for Saskatchewan credit unions. There is no
limit to the size of deposit covered by the
guarantee – whether $1 or $1,000,000 or
more, all deposits are fully guaranteed. The
Corporation’s system of deposit protection,
including preventive approaches, strong
levels of credit union capital and a strong
guarantee fund ensure even the largest
deposits are fully guaranteed. In the history
of the Corporation, no one has ever lost a
dollar deposited in a Saskatchewan credit
union. The Corporation and Saskatchewan
credit unions have never had to rely on
the government for financial assistance
or bailouts.
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GIVING BACK
in Hundreds of Ways
Giving back to communities is in the credit union DNA. In 2012, Saskatchewan credit unions
again supported people and communities locally, provincially and globally in areas like economic
development, housing, arts and culture, health care, education, sports and recreation, environment
and disaster relief.
Whether it’s a winter festival or a summer softball league…an MRI machine or a mentorship program…
a new hockey rink or a horse-drawn sleigh ride, Saskatchewan credit unions are active and generous
members of their communities, donating volunteer time, in-kind and cash contributions to improve
the quality of life for the people of Saskatchewan.
A few of the activities in 2012 that were beneficiaries of Saskatchewan credit unions include:
COMMUNITY PARTICIPATION
Saskatchewan Credit Union Queen City Marathon
Through their trade association SaskCentral, Saskatchewan credit unions collectively support a number
of Saskatchewan events. One example is the continuing support for the Saskatchewan Credit Union
Queen City Marathon. This Boston-certified race attracts more than 4,000 local and international
participants. Hundreds of volunteers make this one of the most successful marathons in North America,
putting Saskatchewan in the spotlight for healthy lifestyles and community participation.
RELIEF FOR VICTIMS OF NATURAL DISASTER
Credit Unions and the Red Cross
For years credit unions across the province have collected donations on behalf of the Red Cross when
there is a need for local and international disaster relief efforts. With many branches across the province,
credit unions are natural collection points that enable the giving people of Saskatchewan to support
others inside and outside the province.
HEALTH
Telemiracle
Each year, Saskatchewan credit unions sell Telemiracle hands and collect donations on behalf of
Telemiracle. In addition, credit union employees organize and participate in fundraising activities
across the province. In 2012, credit unions raised more than $23,000 for this worthy cause. Just one
more way that Saskatchewan credit unions help to build lives and fulfill dreams.
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Saskatchewan Communities
Served by Credit Unions
SASKATCHEWAN COMMUNITIES SERVED BY CREDIT UNIONS
Arm River-Watrous
Davidson
Drake
Govan
Jansen
Kenaston
Loreburn
Nokomis
Raymore
Semans
Simpson
Watrous
Wynyard
Young
Athabasca
Buffalo Narrows
Batoche
Birch Hills
Cudworth
Domremy
Duck Lake
Kinistino
Lake Lenore
Middle Lake
St. Benedict
St. Brieux
St. Isidore de Bellevue
St. Louis
Wakaw
Weldon
Biggar
Biggar
Borden
Delisle
Landis
Langham
Perdue
Wilkie
Cannington
Alameda
Alida
Arcola
Carlyle
Carnduff
Gainsborough
Kisbey
Lampman
Manor
Oxbow
Redvers
Stoughton
Wawota
Canora-Pelly
Canora
Kamsack
Norquay
Pelly
Preeceville
Springside
Sturgis
Togo
Carrot River Valley
Arborfield
Carrot River
Hudson Bay
Nipawin
Tisdale
Zenon Park
Cumberland
La Ronge
Cut Knife-Turtleford
Cut Knife
Edam
Glaslyn
Lashburn
Maidstone
Marsden
Meota
Neilburg
Turtleford
Cypress Hills
Burstall
Cabri
Climax
Consul
Eastend
Fox Valley
Frontier
Gull Lake
Hazlet
Lancer
Leader
Maple Creek
Mendham
Richmound
Sceptre
Shaunavon
Tompkins
Estevan
Beaubier
Bienfait
Estevan
Midale
Radville
Torquay
Tribune
Humboldt
Aberdeen
Bruno
Colonsay
Humboldt
Lanigan
Meacham
Muenster
Prud’homme
Viscount
Indian Head-Milestone
Avonlea
Fort Qu’Appelle
Indian Head
Lang
Milestone
Odessa
Qu’Appelle
Sedley
Vibank
Kelvington-Wadena
Archerwill
Bjorkdale
Elfros
Foam Lake
Hendon
Kelvington
Lintlaw
Margo
Porcupine Plain
Rose Valley
Theodore
Wadena
Kindersley
Denzil
Eatonia
Kerrobert
Kindersley
Luseland
Macklin
Major
Tramping Lake
Unity
Last Mountain-Touchwood
Abernethy
Bulyea
Cupar
Dysart
Earl Grey
Ituna
Kelliher
Lemberg
Lestock
Neudorf
Punnichy
Southey
Strasbourg
Lloydminster
Lloydminster
Marshall
Paradise Hill
Pierceland
Martensville
Dalmeny
Hague
Hepburn
Martensville
Osler
Waldheim
Warman
Meadow Lake
Goodsoil
Leoville
Meadow Lake
St. Walburg
Melfort
Annaheim
Englefeld
Gronlid
LeRoy
Melfort
Naicam
Quill Lake
Spalding
St. Gregor
Star City
Watson
Saskatchewan Rivers
Albertville
Big River
Candle Lake
Choiceland
Christopher Lake
Debden
Meath Park
Paddockwood
Smeaton
White Fox
Melville-Saltcoats
Churchbridge
Esterhazy
Grayson
Langenburg
MacNutt
Melville
Saltcoats
Spy Hill
Stockholm
Saskatoon
(12 constituencies)
Saskatoon
Moose Jaw
(2 Constituencies)
Moose Jaw
Thunder Creek
Bethune
Central Butte
Chamberlain
Chaplin
Elbow
Herbert
Holdfast
Lumsden
Morse
Tugaske
Moosomin
Broadview
Cowessess
Glenavon
Grenfell
Kennedy
Kipling
Montmartre
Moosomin
Rocanville
Whitewood
Wolseley
Prince Albert
(2 Constituencies)
Prince Albert
Regina (11 Constituencies)
Emerald Park
Regina
Rosetown-Elrose
Beechy
Dinsmore
Dodsland
Elrose
Eston
Harris
Kyle
Outlook
Rosetown
Rosthern-Shellbrook
Canwood
Hafford
Laird
Leask
Marcelin
Medstead
Rosthern
Shell Lake
Shellbrook
Spiritwood
Swift Current
Pennant
Swift Current
The Battlefords
Battleford
North Battleford
Weyburn-Big Muddy
Bengough
Ceylon
Coronach
Kayville
Minton
Ogema
Weyburn
Willow Bunch
Yellow Grass
Wood River
Admiral
Assiniboia
Bracken
Coderre
Glentworth
Gravelbourg
Hodgeville
Lafleche
Limerick
Mankota
Mossbank
Ponteix
Rockglen
Shamrock
Yorkton
Yorkton
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