2025 Annual report

Through The Eras

The 2025 Annual Report provides members with a snapshot of our resilience, growth, and commitment to community-based banking. Amid the evolving financial landscape, this report outlines our achievements, challenges, and strategic initiatives, as well as showcases exciting new opportunities for 2026 and beyond.

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2024 Annual Report

2023 Annual Report

2022 Annual Report

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Dear Members: In connection with the audit of the financial statements of Luminus Financial Services & Credit Union as at December 31, 2025 and for the year then ended, please review your statement. If it does not agree with your records, please report any differences directly to our auditors, MNP LLP: Bryn Hafer, bryn.hafer@mnp.ca, (416) 617-3074.

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