credit union central of ontario building communities one member at a time annual report 2002 www cuco on ca ecentral copyright february 2003 all rights reserved the hands and globe logo is registered trademark world council unions used under licence who we are p1 highlights p2 message from chair ceo p3 board directors p5 risk management control practices p6 s responsibility for financial information p8 audit committee p9 auditors p10 consolidated balance sheet p11 statement income retained earnings p12 cash flows p13 notes to statements p14 five year review p29 governance senior p30 table contents p 1 bank trade association vast majority province almost 90 per cent members our mission increase competitive advantage as services organization
