Members continued to tell us they felt valued, respected, and well advised, with very strong member experience scores that have continued to improve over the past three years. As a result of our ongoing focus on member experience and engagement: 

• Our Net Promoter Score (NPS), which measures how likely members are to recommend Kawartha to a friend or colleague, continued to grow year-over-year, reaching 83.6.
• Our members referred 166 friends or family members to join Kawartha in 2025, a 64% increase from 2024.
• Our Aviso Wealth investor member satisfaction score reached 84/100, a 10-point increase from 2024.
• We maintained an average 4.5* Google rating across our branches.

These results reinforce our longstanding commitment to caring, needs based advice and strong, trusted relationships. 

2025 marked major advances in Kawartha’s banking experiences. These enhancements reflect continued investment in both digital tools and in-branch experiences: 

• We implemented online account opening (AOS) for new and existing members, successfully onboarding more than 160 new members in 2025. 
• Members enjoyed added conveniences when shopping with their debit cards with the launch of Mobile Wallet.
• New technology in our branches enabled members to e-sign for new accounts and receipts.
• Security enhancements, including two-step verification, continued to strengthen fraud prevention.

At the beginning of 2025, we welcomed Smiths Falls Community Credit Union members and employees to Kawartha, successfully integrating their operations including upgrading their technology and premises.  

In July, we communicated our proposed merger with Libro Credit Union to our members. In October, members of both credit unions voted in favour of merging, and we began preparing for our first legal operating day as a combined credit union, which was January 1, 2026.  

Overall, Kawartha achieved strong financial results in 2025. These results reflect balanced growth across retail banking, commercial lending, and wealth management, as members and businesses continued to turn to Kawartha for advice, financing, and long‑term planning. 

Highlights include: 

• Highest retail lending growth since 2022
• Double-digit growth in wealth management and demand deposits
• Significant commercial lending growth
• $47 million in new deposits through the launch of the High Interest eSavings Account. 

At Kawartha, giving back isn’t just something we do – it’s who we are. Since launching our Community Involvement Program in 1998, we have reinvested more than $4 million in the communities we serve. In 2025, we were pleased to donate $200,000 to charitable and non-profit organizations. Highlights included: 

• Platinum Sponsor of Peterborough’s Dragon Boat Festival for the 24th consecutive year, helping raise over $400,000 for the Peterborough Regional Health Centre (PRHC) Foundation supporting cancer treatment in the region.
• Supporting education through bursaries at colleges and universities in our branch communities, as well as sponsoring the Ontario Credit Union Foundation’s CU Succeed scholarship for young credit union members.
• Corporate holiday donations and an organization-wide food drive supporting food banks across our communities.
• Funding the planting of 498 trees in Canada through our Three Trees Referral Program.
• Ongoing volunteering, fundraising, and community involvement by staff across our region. 

These efforts reflect our longstanding belief that strong communities contribute to shared financial wellbeing. 

Our people remain central to delivering the trusted service our members expect. In 2025, we continued to invest in fulfilling work experiences while taking a thoughtful, values‑based approach to environmental, social, and governance (ESG) practices, with a strong focus on our people. 

This included continued support for diversity, equity, inclusion, and belonging (DEIB), as well as supporting our employees’ well‑being through workplace initiatives, comprehensive benefits, and our Employee Assistance Program (EAP).  

As a proud Living Wage Employer, we also supported employee financial well-being by ensuring all employees are paid at or above the locally calculated living wage to help meet the cost of living in the communities where we operate.  

Key highlights from our people and culture efforts in 2025 include: 

• Recruited 50+ new employees and promoted 40+ employees
• Invested over $125,000 in employee learning and development
• 12 employees achieved professional certifications and designations; 29 employees earned our Advisory Excellence Certificate
• Fostered connection and engagement through Spirit Weeks, recognition programs including our annual employee awards, and regular all-staff communication.