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Tracy Harris

VP OPERATIONS & DIGITAL TRANSFORMATION
Tracy started her career in the credit union system in 1995 as a teller. She has held most positions in the credit union over the years, coming to Airline Financial Credit Union in 2014 and being promoted to CEO in 2015.

She has her BSc in Human Biology from the University of Toronto and a Masters Certificate in Operational Risk Management from the Schulich School of Business. She has served as a director on the Small Credit Union Council, an administrator for the Ontario Credit Union Charitable Foundation, and a facilitator for Co-Operative Young Leaders Camp.

When not at work, Tracy enjoys reading, baking, and spending time with her husband, three adult children, and pets.

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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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