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Our Annual Report and Annual Review contain everything you need to know about Snow Star Credit Union. The Annual Report contains the full financial results, while the Annual Review contains a summary of our overall performance in the year and our support for the Community.
Annual Reports
Annual Review
Securitisation Reporting
Snow Star Credit Union as an Information Provider to the RBA is required to make certain data publicly available to users who require it to evaluate Asset Backed Securities (ABS) for investment purposes or for professional or academic research purposes. If you would like to make an enquiry or arrange access to the data please click the Request Further Information text below. Further information can be found at the RBA website.
Codes and Procedures
Constitution
The Constitution of Snow Star Credit Union details the rules and principles by which the Bank operates.
Annual Regulatory Disclosures
Snow Star Credit Union's quarterly regulatory disclosures
- View the 30 September 2020 Quarterly Regulatory Disclosure
- View the 30 June 2020 Quarterly Regulatory Disclosure
- View the 31 March 2020 Quarterly Regulatory Disclosure
- View the 31 December 2019 Quarterly Regulatory Disclosure
Complaint and Dispute Resolution Procedure
Snow Star Credit Union has developed a Complaint and Dispute Resolution Procedure that gives customers the opportunity to register complaints and have them dealt with in a formalised manner. Download the Complaint and Dispute Resolution Guide for further information.
For your convenience we have included a link to the ePayments Code below. Please refer to this document if you have a complaint or concern about electronic payment transactions, including ATM, EFTPOS and credit card transactions, online payments, internet and mobile banking, and Bpay. The ePayments Code governs the relationship between Snow Star Credit Union and customers when making electronic payment transactions.
Customer Owned Banking Code of Practice
The Customer Owned Banking Code of Practice is the industry code of the Customer Owned Banking Association, the association of credit unions, mutual building societies and mutual banks.
Workplace Gender Equality Report
In accordance with the requirements of the Workplace Gender Equality Act 2012. We can inform you that on the 17 July 2020, Snow Star Credit Union Lodged its annual public report with the Workplace Gender Equality Agency. A copy of this report is available below.
As Customers of Snow Star Credit Union you may make comments on the report to us by emailing your comment directly to Glenn Borg, gborg@bankfirst.com.au or to the Agency. Please refer to the Agency’s guidelines on this process on their website.
Modern Slavery
The International Labour Organisation reported in 2016 that at any given time an estimated 40.3 million people are in modern slavery globally, including 24.9 million in forced labour and 15.4 million in forced marriage. Modern slavery is a crime.
The Global slavery index estimates that in 2018 there were 15,000 living in Australia in modern slavery, a prevalence of 0.6 victims of modern slavery for every thousand people in the country.
Forced labour and related practices exist in the operations or supply chains of most businesses. Slavery occurs in every region of the world, including Australia due to the reliance on imported goods particularly those from south East Asia Australia is particularly exposed.
Snow Star Credit Union is committed to a long-term effort to reduce and hopefully eliminate, modern slavery from its supply chains and operations. To that end, it has engaged and been working closely with subject matter experts on modern slavery. Snow Star Credit Union views this as an important component of its broader corporate social responsibility and human rights obligations.
Snow Star Credit Union has put in place policies and processes in relation to workplace rights and to help identify, prevent and remediate modern slavery in its supply chain.
Our modern slavery risk assessment identified sector, industry, product, service and entity risks in our operational and investment portfolio supply chains and then followed the money flows relating to these categories into and out of Australia which, in turn, indicated the likelihood for modern slavery to occur in our supply chains within these categories, as opposed to actual occurrence within each individual supplier.
Our inaugural Modern Slavery Statement provides further details about the specific actions Snow Star Credit Union has taken to assess and address modern slavery risks.
Our Modern Slavery Statement was submitted to the Department of Home Affairs on 1 December 2020.
Financial Claims Scheme
Learn more about Financial Claims Scheme.