

Reflecting on the past year’s achievements, the board and staff at Luminus Financial remained committed to our four core pillars:
Financial Stability – Ensuring long-term growth and resilience.
Core Operations – Strengthening our internal systems to serve you better.
Member-Focused Banking – Putting our members at the heart of every decision.
Assurance & Trust – Building confidence through transparency and reliability.
These principles have guided every step we’ve taken, helping us navigate challenges and create new opportunities for our members.
As we look to the future, we remain committed to our core values of adaptability, responsiveness, commitment, and cooperation. We will continue to invest in innovative solutions, sustainable practices, and community enrichment. We encourage our members to embrace the possibilities that lie ahead, as we work together to achieve new milestones and create a brighter future.







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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