qccu 2012-2013 annual report

ANNUAL REPORT 2011 / 2012

C O NN T E N T S

C H A I RR MM A N AA N D CC H I E F E X E C UU TT I V E O F F I CC E R S R E P O R T 444

D I R E C T O R S R E P OO R T 1 000

S TAT E M E N T O F C O M P R E H E N S I V EE I N C OO M E 1 555

S TAT E M E N T O F F I N A N C I A L P OO S I T I OO N 1 666

S TAT E M E N T O F C H A N GG EE S I NN E Q U I T Y 1 777

S TAT E M E N T O F C A S H FF L O W SS 1 999

N O T E SS T O T H E F I N A N C I A L S TAT EE M E N TT S 2 000

D I R E C T O R S D E C LL A R AT I O N 6 666

ANNUAL GENERAL MEETING

Queensland Country Credit Union will hold its 42nd Annual General Meeting at 6.00pm on Thursday 15 November 2012 at the Carpentaria Buffalo Club, Corner Simpson and Grace Streets, Mount Isa.

OUUURR PUUURRPPOOSSEEQueensland Country Credit Union

exists as a fi nancial institution to

benefi t our Member-owners by

providing:

• Market competitive fi nancial services

• Superior personalised genuine service

• Pride of ownership

I N D E PP E N D EE N T A U D I T O R S RR E P O RR T 6 777

O U R CC RR E D I TT U N I O N 7 11

S P O N SS OO R S HH I P S 7 222

C O M M U N I T YY G R AA N T S SS C H E MM E 7 333

P R O D UU CC T S AA N D SS E R V I C E S 7 444

M A N A GG EE M E N T T EE A M 7 666

A R E A , BB R A NN C H A N D RR E L I E FF M A N A G E R S 7 777

C O N TAA CC T D EE TA I L SS 7 888

Auditor: BDO Audit QLD Pty Ltd. Level 18, 300 Queen Street, Brisbane, Queensland 4000

Queensland Country Credit Union Limited

ABN 77 087 651 027 | AFSL/Australian Credit Licence 244 533 Registered Offi ce: 70 Camooweal Street, Mount Isa, QLD 4825

Postal Address: PO Box 679, Aitkenvale QLD 4814 Tel: 07 4750 3300 | Fax: 07 4779 7711 Web: www.qccu.com.au Email: [email protected]

OURR PRRINCCIPLLESAt Queensland Country, how we behave is guided by our core principles.

• If it’s not genuine, it’s not Queensland Country

• We challenge and develop ourselves and others

• People matter most

• Having courage to change

• Professional in business, fun to work with

• Be involved, you are Queensland Country

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This report presents a summary of the operations of Queensland Country for the 12 months to June 2012.

Queensland Country Credit Union has performed well during a period of generally lower demand for credit.

General uncertainty around global and domestic economic

conditions, including some slowing of resource projects, has

resulted in greater caution when it comes to larger fi nancial

commitments. Along with other fi nancial institutions, we

have seen our Members reducing their debt levels and

increasing their savings. In this environment, it was pleasing

to see that our new loans issued was a little stronger

compared with the previous 12 months. Memberships also

grew by 3.7 percent during this period, demonstrating that

we continue to offer an attractive alternative banking option

within regional Queensland.

Our footprint in Queensland means that many Members

are involved, directly or indirectly, in the resources

sector. Recently, we have seen a small number of mine

closures and deferral of other projects. Fortunately, most

Members who have been impacted have found alternative

employment in an economy that is still performing solidly.

FINANCIAL PERFORMANCE

The Total Assets of the Credit Union at June 30, 2012

were $1,167 million, representing a strong growth rate

of 8.3 percent. Net Profi t After Tax of $5.3 million was

achieved, down 2.7 percent from the previous year’s result.

Our Capital Adequacy ratio ended the year at a solid

12.94 percent.

Net Interest Income was steady at 2.55 percent and refl ects

the very competitive market in recent years.

Impairment expense for the year was $1.5 million, refl ecting

a small number of borrowers who have experienced

fi nancial diffi culties over the course of the fi nancial year.

The loan portfolio as a whole remains strong with arrears

levels of 0.85 percent and we are committed to working

with any borrowers who are experiencing fi nancial hardship.

C H A I RR MM A N A N D C H I E FF E X E C UU TT I V E O F F I C E R S R E P OO R T

Queensland Country Credit Union Limited and Controlled Entities - Annual Report 2011-2012

ABN 77 087 651 027

a refreshing atitude to banking

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OUR MEMBERS

In November 2011, we were excited to open our fi rst

branch in Gladstone, incorporating a new branch design and

utilising new technologies that we intend to progressively

extend across our branch network. Around the same time,

we made the diffi cult decision to close our Julia Creek

branch after serving that community for 17 years.

During the last fi nancial year, we continued to upgrade

our branch network, with full refurbishments completed in

Charters Towers and Jimboomba. We are proud to be able

to provide our staff and Members with modern facilities

where they can feel comfortable to discuss their fi nancial

and health insurance needs.

We have continued to develop our product range this year,

with notable developments including the extension of our

Eco Smart Loans, catering to Members who are looking to

improve the environmental sustainability of their home or

to purchase an environmentally friendly vehicle. Our ‘Mullet’

home loans, combining fi xed and variable components, also

proved very popular and attracted signifi cant attention with

an innovative marketing campaign.

We were also pleased to extend our Retirement Savings

Account (RSAs) to offer a Fixed Term investment option,

in addition to the variable option that we have offered

for a number of years to Members looking for a low-risk

superannuation product.

OUR COMMUNITIES

We have again continued our Community Grants program,

with more than $1.5 million distributed to community groups

throughout Queensland since 2004. Our grants assessment

process involves community leaders conducting an initial

review with local Branch Managers, before submission

to a fi nal review process. Thank you to everyone who

has contributed to assessing grant applications since the

commencement of this program. The funding we have

provided has directly helped over 520 local groups in the

important roles they play in our communities.

In addition, we continue to sponsor a variety of events that

are important to our local communities. Major sponsorships

have included the North Queensland Cowboys and the

Brisbane Broncos National Rugby League teams and the

Townsville Crocodiles and the Townsville Fire National

Basketball teams.

GLADSTONE BRANCH

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ABN 77 087 651 027

C H A I R M A N AA N D C HH I E F E X E C UU T I V E OO F F I C E R S R E P O R TT

BOARD OF DIRECTORS

During the year, Michael Beard and Mike Steindl retired on

a rotational basis as required by our Constitution. Following

an election process, both Directors were reappointed to

the Board.

Being a Director involves signifi cant commitment of time

and carries a high level of responsibility. We are very

fortunate to have such a dedicated group of individuals

who each contribute so effectively to the oversight of the

operations and the direction of the Credit Union.

OUR FUTURE

Early in 2012, Directors and Executive staff took time

to reassess the strategic direction of the business. Our

planning process included input from all staff and we

took time with them to reassess the core principles and

behaviours that underpin how we conduct our business.

The end result of this process was a newly crafted Strategic

Plan, with a clear vision and direction for the years ahead.

Queensland Country remains fi rmly committed to providing

for the fi nancial and health insurance needs of Regional

Queenslanders.

In the year ahead we intend to progress a number of key

projects that will help achieve our strategic goals. This

includes delivery of a mobile banking platform, a new web

site, a modern new contact centre and some improvements

to our transactional accounts. We are also investing in

our core banking systems and we have purchased land in

Townsville with a view to constructing a new purpose built

head offi ce.

OUR STAFF

Queensland Country employs over 270 staff. Periodic

surveys show the high levels of staff engagement that

exists across the business. This year we have increased our

investment in developing our people with the establishment

of an Emerging Leaders program. More recently we have

commenced delivery of a sales training program that will

build the confi dence of our staff in matching our products to

the needs of Members, while still being true to our Mutual,

Member focused culture.

Our staff are passionate about our Members and helping

them to achieve their fi nancial goals and we take this

opportunity to thank each staff member for the dedication

and commitment demonstrated over the last 12 months.

Bruno Cullen, Chairman

Aileen Cull, Chief Executive Offi cer


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$328,557,537

$365,351,430

$407,514,559

$438,839,286

$554,182,184

$674,005,417

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$626,760,244

$529,891,621

$457,922,156

$334,366,876

$312,984,592

$200M $400M $600M $800M $1B

2012

2011

2010

2009

2008

2007

2006

2005

2004

2003

2002

2001 $272,984,049

$282,995,513

$312,288,874

$357,942,939

$393,023,057

$488,568,118

$584,861,191

$652,094,511

$698,942,575

$801,542,695

$890,571,235

$968,933,769

$1,044,275,513

$200M $400M $600M $800M $1B $1.2B

2012

2011

2010

2009

2008

2007

2006

2005

2004

2003

2002

2001

2012

2011

2010

2009

2008

2007

2006

2005

2004

2003

2002

2001

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ABN 77 087 651 027

D II R E C TT OO RR SSS

BRUNO CULLENCHAIR

Bruno has served on the

Board since 2001. He started

his career with the then Isa

Mine Employees Credit Union

as Loans Manager in 1977

in Mount Isa, before being

promoted to Assistant General

Manager in 1979. In 1988

he transferred to Brisbane as

General Manager Development.

Then in late 1989 he became

CEO before taking up the

role of Managing Director in

2001. In January 2003 Bruno

resigned from the Credit Union

to take up the role of Managing

Director at the Brisbane

Broncos, but remained as a

Director of Queensland Country.

In 2004 Bruno was elected

Deputy Chair of the Board and

in 2006 became Chairman.

KAREN READ DEPUTY CHAIR

Karen Read initially joined the

Board in 1997, serving for four

years before resigning due to

work commitments. She was

subsequently reappointed

to the Board in 2005. Karen

started her fi nance career at

a chartered accounting fi rm in

Mackay, and currently works

as the General Manager –

Financial Services, Commercial

& Administration for Xstrata

Mount Isa Mines. With a career

spanning 25 years in the mining

industry, Karen has undertaken

a variety of roles that have

seen her work both in Australia

and abroad. Karen has been

a Member of Queensland

Country Credit Union for

over 20 years and speaks

highly of the organisation for

continuing to provide services

to Members particularly in areas

of Queensland where other

fi nancial institutions choose

not to service.

MICHAEL BEARD DIRECTOR

Michael Beard has been a

director since 1985 and is

Queensland Country Credit

Union’s longest serving

Board Member. His work as a

chartered accountant assists

the Board with the Credit

Union’s complex fi nancial

reporting requirements. Michael

keeps himself busy with his

accountancy offi ces in Noosa

and Mount Isa and his family

retail clothing businesses.

When congratulated on his long

standing service as a director

Michael said “it’s been an

honour to be a Board Member

of the Credit Union for 25 years.

I am very proud of the fact that

the organisation has grown

considerably over this time but

still remains Member focused”.

RAY SOUTHWELL DIRECTOR

Ray Southwell started his

career working as a chartered

accountant in Queensland and

Victoria. In 1982 with over a

decade of experience, Ray

opened his own business. He

served as a Director of the

South East Community Credit

Society Board from January

1997 until the merger of that

organisation with Queensland

Country in 2005. Ray brings to

the Board experience in auditing

and business advisory services,

and has a special interest in

taxation law. Specifi cally, Ray

enjoys helping business owners

maximise the rewards they can

achieve in their own business

fi elds.


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MIKE STEINDL DIRECTOR

Mike Steindl became a Director

of Queensland Country in

2005, having previously been

a Director of South East

Community Credit Society.

Mike commenced his career in

retailing as a Trainee Manager

after leaving school. Upon

completing the traineeship

he was appointed to a Store

Manager role. Mike spent 15

years in the retail industry in

southern Queensland and

northern NSW, after which time

he opened and successfully ran

his own retailing business for

25 years.

BRAD WEBB DIRECTOR

Brad joined the Board in 2007.

He is the Managing Director

of the Townsville based BM

Webb Group. Established as

an interstate truck haulage

business in 1979, his business

has grown into a diverse group

that specialises in construction

and leasing of large industrial

warehouses. The group also

includes a concrete plant, quarry,

pre-cast panel factory, transport

fl eet and civil division. Brad

shares his wealth of regional

business experience with

the Board.

PAUL WHITE DIRECTOR

Paul White joined the Board in

2004. Prior to this Paul served

with the Queensland Police

Service for almost 20 years.

Leaving behind the role of

Offi cer in Charge of Mount Isa in

2003, Paul moved into a Human

Resource Management role with

Xstrata Zinc, and in 2005 took

up a position as Sustainable

Development Manager with

Anglo Coal Australia and later

the Regional Manager Employee

Strategy and Performance. In

2011 Paul was appointed to

the position of Chief Executive

Offi cer with the Brisbane

Broncos.

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ABN 77 087 651 027

D I R EE C TT O R SS R EE P OO R T


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Queensland Country Credit Union Limited - Annual Report 2011-2012

ABN 77 087 651 027


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O U R C R E D I T U N I O N

Queensland Country Credit Union is an independent, Member owned organisation providing a full range of competitive fi nancial services.

OUR MEMBERS

Our Members are the most important part of our service.

They are always at the centre of what we do. Our primary

business objective is to help Members meet their fi nancial

goals whilst engaging with our communities in a way that

would make our Members proud.

Every decision we make at Queensland Country Credit

Union takes into consideration the benefi t for our Members

and communities as we work to maintain and grow their

respect and trust.

As a mutual organisation, we remain committed to the ideals

upon which we were founded. When you join Queensland

Country Credit Union, you purchase one membership share.

This means you become a part-owner of the Credit Union

and can rely on us for your savings, loans and other fi nancial

product and service needs.

You’re also entitled to vote in the election of our Board

of Directors, who set the operating policies for the Credit

Union and supervise the performance of the organisation.

With over 58,000 Members and 23 branches stretching

from as far north as Weipa, south to Stanthorpe and west

to Mount Isa, Queensland Country prides itself on being

committed to fellow Queenslanders.

OUR STRENGTH & SECURITY

Our strength and fi nancial security are derived from our

diverse asset base of over $1 billion. At any time, around

90% of savings deposited with the Credit Union are lent

back to Members through personal, home and investment

loans, which demonstrates our commitment to ensuring

Members get the best value for money when dealing

with us.

Our spare funds are invested conservatively and are mainly

held in deposits with large regulated Australian Financial

Institutions. The Credit Union does not invest in the stock

market or overseas.

We are regulated by the same Government regulator as the

major banks - the Australian Prudential Regulation Authority

(APRA). APRA’s duty is to minimise the chance that a

Financial Institution will be unable to meet its obligations

to depositors. Credit Unions, Banks and Building Societies

must all comply with the same set of APRA rules (known as

Prudential Standards).

Queensland Country complies with all Prudential Standards

and is in a strong and stable fi nancial position.

S P O N S O R S H I P S

Queensland Country Credit Union is committed to making a positive contribution in our local communities.

One of the most valuable ways we achieve this is by providing fi nancial assistance to community organisations.

We continue to support our communities through sponsorships and our Community Grants Scheme.

SPONSORSHIPS

Queensland Country provides

sponsorship for a wide range of

activities and groups that offer

tangible benefi ts to the community

and encourage active participation in

local events.

We understand the important role

grass-roots organisations and

events play in the development of a

community, and we’re committed to

seeking out ways to become actively

involved in these activities wherever

possible.

Queensland Country sponsors events

and community groups through

fi nancial or other assistance, such

as fi nancial or banking services. This

assistance helps raise the profi le and

awareness of an event or group and

contributes to its success in delivering

positive outcomes to the community.

As a Queensland based organisation,

we focus on providing sponsorship

within our branch areas.

MAJOR CORPORATE SPONSORSHIPS

In addition to supporting the local

community through sponsorships, we

are also major sponsors of some of

Queensland’s most iconic sporting

teams:

• The Brisbane Broncos

(Offi cial Banking Partner)

• The North Queensland Cowboys

(Offi cial Banking Partner)

• The Townsville Crocodiles

Throughout the year, Queensland

Country organises and participates

at community functions with these

teams to collectively demonstrate

our combined support for the local

community.


ABN 77 087 651 027


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Queensland Country provides funding for not-for-profi t groups across Queensland as part of our Community Grants Scheme.

This Scheme allocates funding to groups in our branch areas for a wide range of activities, facilities and services.

Each initiative is awarded support based on the capacity of the group or project to deliver tangible, long-term improvements in the lives of their communities.

The Scheme gives Queensland Country

a proactive way to support community

groups and develop other communities

in line with our aim to positively

contribute to our local communities and

the lives of our Members.

We understand community groups

play an important role in shaping the

social fabric of a community. It is often

diffi cult for these small organisations

to self-fund valuable activities and

services and we are committed to

making a difference.

Queensland Country aims to offset

costs or fully fund projects that are

deemed to be widely benefi cial to the

community every year. We are proud to

assist local groups in developing and

expanding their activities and reach

within their communities.

Our Community Grants are provided for programs in the areas of:

• Arts, culture and heritage

• Sport and recreation

(where the activity benefi ts the

whole community)

• Health

• Education

• The environment

C O M MM U NN I T YG R A N T S S C HH E M EE

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ABN 77 087 651 027

PPP RR OO DDD U C T S A N DD S E R V I C E SS

At Queensland Country, we have products to make banking easy. We offer a range of banking products and services like transaction, savings and long term investment accounts to meet the needs of our diverse membership base.

EVERYDAY TRANSACTION ACCOUNTS

Our four everyday transaction

accounts have features that

complement the way Members like to

access their money.

e-Access is ideal for Members who

prefer to transact using electronic

channels.

Traditional is suited to Members that

like to conduct their banking in person

at a branch.

Options is perfect for Members who

transact infrequently and want to

avoid a monthly service fee.

Options Plus is for Members who

have an offset facility attached to

their home loan or Members with a

credit facility or Members receiving an

Aged Pension from Centrelink or the

Department of Veterans Affairs.

SAVINGS & CASH MANAGEMENT ACCOUNTS

Our savings and cash management

accounts are to assist Members reach

their savings goals. We have a range

of accounts to meet the needs of our

Members, based on how they like to

access their savings.

Online Saver is a high interest

internet banking account that allows

Members to access their savings at

any time.

Cash Management also offers a

higher interest rate on at call funds

with the fl exibility of branch access.

Pension Plus is designed

specifi cally for Members receiving an

Aged Pension from Centrelink or the

Department of Veterans Affairs or

self-funded retirees (over the age of

65) who wish to receive at least the

Government deeming rate of interest.

Bonus Saver rewards Members

who make monthly deposits and no

withdrawals with a bonus interest rate.

Christmas Club encourages

Members to contribute regular

deposits throughout the year, with

savings made available in either

November or December.

Fixed Term Deposits offer

Members peace of mind with a

guaranteed interest rate on funds

invested for a fi xed period of time.

BILLPAYING

Our Members love our Billpaying

account, and it’s easy to see why.

The Billpaying account is more

than a savings account, it’s a

unique budgeting service. Members

contribute regular deposits each pay

day, and when their nominated bills

come in they simply provide them and

Queensland Country ensures the bill

is paid on time. Interest is paid when

the account balance is in credit and

Members are not charged interest on

overdrawn funds.

SUPER RETIREMENT SAVINGS ACCOUNT

The Super Retirement Savings

Account is a low-risk, worry-free

superannuation investment account.

It offers Members great returns

through a competitive variable or

fi xed term rate, with no exposure

to share market volatility. Invested

capital is guaranteed by the assets

of Queensland Country Credit Union,

and the account has all of the same

benefi ts and rules that apply to other

super funds.

LOANS

Queensland Country makes it easy

for our Members to borrow money

for a wide range of purposes. We

understand that one of the biggest

things Members have in mind is

wanting to pay the loan off as soon as

possible with low interest rates and

low fees.


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Personal Loans can be used to

fund cars, boats, holidays, home

improvements or consolidate debt,

and can be secured or unsecured.

ECO SMART LOANS Queensland Country is committed

to providing sustainable banking

practices and delivering products

that assist Members with pursuing

environmentally friendly endeavours.

We offer an Eco Smart Car Loan

and an Eco Smart Green Loan to

fi nance environmentally friendly home

improvements.

HOME LOANS

We make purchasing a house or

property as easy as possible. We offer

a range of home loans, with both fi xed

and variable rates, for buying, building,

purchasing a house and land package,

investing in vacant land or refi nancing

an existing home loan.

VISA CREDIT CARD

Our Visa credit cards offer exceptional

value with a low rate, up to 55 days

interest free, four designs including

the exclusive Broncos and Cowboys

supporter cards, and the unique

Rewarder program, which allows

Members to accumulate points that

can be redeemed as cash through any

EFTPOS terminal in Australia.

BUSINESS ACCOUNTS & LOANS

For our business customers, we offer

transaction and savings accounts as

well as business overdrafts and credit

cards to assist in managing day-to-day

cash fl ow and streamlining payment

facilities.

INSURANCE

General and Life Insurance

Queensland Country offers insurance

cover for vehicles, home and contents,

landlords, life and income and travel

through CGU Insurance Limited and

Clearview Life Assurance Limited.

Health Insurance

Queensland Country Health Fund is

a subsidiary company that provides

singles, couples and families with the

high quality health insurance at an

affordable price.

OTHER SERVICES

Website

Our website provides information

about our products and services and

has comprehensive loans, saving and

budgeting calculators, personal loans

and credit cards online applications,

current interest rates and job

vacancies.

CU Online Internet Banking

CU Online provides Members 24

hour secure access to their accounts.

Members can view account balances,

transfer funds, pay bills using BPAY,

view, print and download recent

transactions and statements.

Phone Service

Our phone service provides Members

with 24 hour secure access to their

accounts. Members can obtain

balances, verify transactions, utilise

BPAY and transfer funds between

accounts using phone service.

ATM & EFTPOS

At Queensland Country we

understand convenience is important

to our Members and that’s why we

have partnered with Westpac. Our

partnership gives Members access to

more than 2,000 fee friendly ATMs

across Australia, meaning they can

visit any Westpac or St George ATM to

receive a number of free withdrawals

each month, before being charged a

reduced fee.

Our Visa Debit card can be used at

all ATMs in Australia and any ATM

worldwide that accepts Visa, as well

as more than 60,000 EFTPOS outlets

across Australia and 3,300 Australia

Post Bank@Post outlets. Our

CueCard also has Maestro and Cirrus

access at ATM and EFTPOS facilities

worldwide.

To obtain more information on any

of our accounts or products, simply

visit any Queensland Country Credit

Union branch and obtain a copy of the

relevant product information brochure.

76

M A N A G E M E N TT E A M

Aileen Cull Chief Executive Offi cer

Aaron Newman Deputy CEO & General Manager | Health Fund

Katherine Brennan General Manager | Human Resources

Cheryl Fitzgerald General Manager | Risk & Company Secretary

Petrice Gould Chief Financial Offi cer

Joan Raffé General Manager | Legal & Compliance

Glenn Seri General Manager | Support Services

Cameron Thompson General Manager | Sales & Service

Shawn Anderson Credit Manager

Peter Beaumont Sales Manager | Health Fund

Robin Bode Business Development Manger | Health Fund

Sue Byrnes QC Direct Manager

Simon Coles IT Manager

Carmel Dal Ponte Branch Network Manager

Jodi Davies Deputy Chief Financial Offi cer

Kellie Davis Mortgage Direct Manager

Joel Flor Branch Operations Manager

Pat Hills Training & Development Manager

Murray Hobbs General Insurance Manager

Peter Holzknecht Branch Network Manager

Julie Lloyd Billpaying Administration Manager

Damien Martin Contact Centre Manager

Dion Matthews Product Development Manager

Gail McKenzie Member Administration Manager

Ros Miles Health Fund Manager

Steve Scholefi eld Human Resources Manager

Sarah Standen Marketing & PR Manager


ABN 77 087 651 027


77

A R E A , B R A N C H A N D R E L I E F M A N A G E R S

Area Managers

Graham Barram Mount Isa Region

Alan Cameron Stanthorpe

Ross Meier Bowen and Collinsville

Bob Robinson Mackay

David Smith Cairns and Weipa

Branch Managers

Cheryl Andrews Jimboomba

Erinn Beams Tieri

Dianne Clarke Smithfi eld

Lyn Collins Home Hill

Dylan Dixon Willows

Greg Gartrell Aitkenvale & Townsville Hospital

Darryl Hill Weipa

Ryan Keith Ayr

Sue Murphy Charters Towers

Lyn Nash Gladstone

Ken Noble Beaudesert

Marissa North Brisbane

Carissa Paske Collinsville

Jodie Rogers Mount Pleasant

Ron Stephen Magnetic Island

Kerry Young Woodlands

Vacant Glenden

Relief Managers

Jamie Cureton

Meagan Morris

Mobile Lender

Nicole Stanier

78


ABN 77 087 651 027

C O NN TTA CC TD E TAA I L SS

H E A D O FF F II C E & A D M I N I S T R AT I OO N

85 Patrick Street, Aitkenvale 4750 3300

Q U E E N S L AA N D C OO U N T R Y C R E D I TT U N I O N B R A N C HH E S Beaudesert 8 William Street 5541 1544 Bowen 37 Williams Street 4786 2999 Brisbane 256 Adelaide Street 3832 0200 Burdekin

Ayr: 186 Queen Street 4783 5222 Home Hill: 76 Eighth Avenue 4782 2211

Cairns Earlville: 514 - 516 Mulgrave Road 4033 5299 Smithfi eld: Smithfi eld Shopping Centre 4038 3999

Charters Towers Town Plaza Shopping Centre 4787 4199 Collinsville 12 Stanley Street 4785 5307 Gladstone Gladstone Central Shopping Centre 4972 0304Glenden Glenden Shopping Centre 4958 9533 Jimboomba Jimboomba Shopping Centre 5546 9916 Mackay

Caneland Central: Caneland Central Shopping Centre 4957 3272 Mount Pleasant: Mount Pleasant Shopping Centre 4942 7800

Mount Isa 70 Camooweal Street 4743 6366 Stanthorpe 3 Maryland Street 4681 1877 Tieri Tieri Shopping Centre 4984 8247 Townsville

Aitkenvale: 296 Ross River Road 4750 3350 Magnetic Island: 98-100 Sooning Street, Nelly Bay 4758 1600 Townsville Hospital: Angus Smith Drive 4725 7756 Willows: Willows Shopping Centre 4723 0355 Woodlands: Woodlands Shopping Centre 4751 5333

Weipa Cnr Kerr Drive Point Drive & Commercial Avenue 4069 7555 Boulia

Auth representative: Shire Council Offi ce, Herbert Street 4746 3399

Australia Post Appointed agents: Bank@post outlets Australia-wide

www.qccu.comm.auu | [email protected]

Q U E E N S L AA N D C OO U N T R Y H E A LT HH F U N D Ayr 186 Queen Street 4783 5222 Gladstone Gladstone Central Shopping Centre 4972 0304Mackay Caneland Central Shopping Centre 4957 3272 Mount Isa 70 Camooweal Street 4743 2777 Townsville

Call Centre: Level 1, 296 Ross River Road, Aitkenvale 1800 813 415

Willows: Willows Shopping Centre 4723 1175

www.qldcounttryheealth.com.au | [email protected]


79

P H OO TT O C RR E D I T S

Page 2

Tom Anderson – Golden Sunset

Amanda Neilson – Venus Battery

Sarah Standen – Charters Towers Fishing

Page 3

Isaac Neilson – Sky Colours

Page 7

Di Leakey – Fishing at Sunrise

Mike Manning – Blaze of Glory

Tom Anderson – Golden Sunset

Page 69

B.Reid – Campdraft Sunset

Page 70

M.Benstead – Clover over the Valley

Queensland Country Credit Union Limited

ABN 77 087 651 027 | AFSL/Australian Credit Licence 244 533

qccu 2012-2013 annual report

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