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Apply NowAs a member, and therefore part-owner, of Cambrian, you have a right to know what happens with our profits!
Profits, where revenue is higher than expenses, are an indicator of a credit union’s overall financial health. Ending the year with a profit is important, because it allows Cambrian to remain stable, plan for the future, and support both members and the community.
How credit unions manage profits is very similar to managing a personal budget:
Cambrian operates the same way. A key question leadership always asks is:
This approach ensures Cambrian is looking forward: considering interest rate changes, economic conditions, and long-term sustainability.
Good management and stewardship mean building enough cushion so the organization can withstand short-term hits or more long-term challenges.
A significant portion of profits is reinvested back into Cambrian. This can include:
These investments help ensure Cambrian can continue to grow responsibly and remain resilient through any unexpected challenges.
As a rule, credit unions must have a minimum amount of cash and capital on hand (think of capital as savings for an organization: money not meant to be spent right now). The regulatory minimum capital ratio in Manitoba is 5 per cent, and Cambrian exceeds it at 7.71 per cent!
Cambrian also works to have a strong balance sheet through our liquidity reserve. The regulatory minimum liquidity reserve in Manitoba is 8 per cent. Cambrian’s internal target is 11 per cent, and our actual ratio in 2025 was 19 per cent!
Cambrian’s 19 per cent liquidity reserve in 2025 indicates we are in a great position with strong organizational health.
These strong positions give the credit union options. It means Cambrian has:
It allows leadership to make thoughtful decisions based on the economic environment, rather than reacting out of necessity.
As part of our core values, one per cent of earnings are directed toward donations and sponsorships. This ensures we are giving back to the communities we serve and supporting initiatives that align with our values and our members.
Check out our annual reports to read about our community involvement!
Cambrian’s approach has always been about sustainable growth, not chasing flashy opportunities or quick dollars. The focus is on earning and growing responsibly so we can exist and thrive long-term.
At the end of the day, profits are a tool, not a goal on their own. They allow Cambrian to care for our people, support our members, give back to the community, and remain strong for whatever the future holds.
We would be happy to discuss your unique situation with you.
Our goal is to make complex topics like this one, simple.
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