ANNUAL REPORT 2011 / 2012
OU UR PU U R P OS E Queensland Country Credit Union exists as a financial institution to benefit our Member-owners by providing: • Market competitive financial services • Superior personalised genuine service • Pride of ownership
C O NTE NTS CHAIRMAN AND CHIEF EXECUTIVE OFFICERS REPORT
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S TAT E M E N T O F CHANGES IN EQUITY
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D I R ECTO R S R E PO RT
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S TAT E M E N T O F C A S H F L O W S
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S TAT E M E N T O F COMPREHENSIVE INCOME
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N OTES TO TH E F I N A N C I A L S TAT E M E N T S
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D I R E C T O R S D E C L A R AT I O N
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S TAT E M E N T O F F I N A N C I A L P O S I T I O N 1 6
ANNUAL GENERAL MEETING Queensland Country Credit Union will hold its 42nd Annual General Meeting at 6.00pm on Thursday 15 November 2012 at the Carpentaria Buffalo Club, Corner Simpson and Grace Streets, Mount Isa.
OU R PR R I NC C I PL LE S At Queensland Country, how we behave is guided by our core principles. • If it’s not genuine, it’s not Queensland Country • We challenge and develop ourselves and others • People matter most • Having courage to change • Professional in business, fun to work with • Be involved, you are Queensland Country
INDEPENDENT AU D ITO R S R E PO RT
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P R O D U CTS AN D S E RVI C ES
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OUR CREDIT UNION
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MANAG E M E NT TEAM
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SPONSORSHIPS
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AREA, BRANCH AN D R E LI E F MANAG E RS
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C O M M U N ITY G R ANTS S C H E M E
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C O N TA A C T D E TA I L S
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Auditor: BDO Audit QLD Pty Ltd. Level 18, 300 Queen Street, Brisbane, Queensland 4000 Queensland Country Credit Union Limited ABN 77 087 651 027 | AFSL/Australian Credit Licence 244 533 Registered Office: 70 Camooweal Street, Mount Isa, QLD 4825 Postal Address: PO Box 679, Aitkenvale QLD 4814 Tel: 07 4750 3300 | Fax: 07 4779 7711 Web: www.qccu.com.au Email: info@qccu.com.au
Queensland Country Credit Union Limited and Controlled Entities - Annual Report 2011-2012 ABN 77 087 651 027
CHAIRMAN AND CHIEF EXECUTIVE OFFICERS REPORT
This report presents a summary of the operations of Queensland Country for the 12 months to June 2012. Queensland Country Credit Union has performed well during a period of generally lower demand for credit.
General uncertainty around global and domestic economic conditions, including some slowing of resource projects, has resulted in greater caution when it comes to larger financial commitments. Along with other financial institutions, we have seen our Members reducing their debt levels and increasing their savings. In this environment, it was pleasing to see that our new loans issued was a little stronger compared with the previous 12 months. Memberships also grew by 3.7 percent during this period, demonstrating that we continue to offer an attractive alternative banking option within regional Queensland. Our footprint in Queensland means that many Members are involved, directly or indirectly, in the resources sector. Recently, we have seen a small number of mine closures and deferral of other projects. Fortunately, most Members who have been impacted have found alternative employment in an economy that is still performing solidly.
FI NANCIAL PE R FOR MANCE The Total Assets of the Credit Union at June 30, 2012 were $1,167 million, representing a strong growth rate of 8.3 percent. Net Profit After Tax of $5.3 million was achieved, down 2.7 percent from the previous year’s result. Our Capital Adequacy ratio ended the year at a solid 12.94 percent. Net Interest Income was steady at 2.55 percent and reflects the very competitive market in recent years. Impairment expense for the year was $1.5 million, reflecting a small number of borrowers who have experienced financial difficulties over the course of the financial year. The loan portfolio as a whole remains strong with arrears levels of 0.85 percent and we are committed to working with any borrowers who are experiencing financial hardship.
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OU R M E M B E RS
We were also pleased to extend our Retirement Savings
In November 2011, we were excited to open our first
Account (RSAs) to offer a Fixed Term investment option,
branch in Gladstone, incorporating a new branch design and
in addition to the variable option that we have offered
utilising new technologies that we intend to progressively
for a number of years to Members looking for a low-risk
extend across our branch network. Around the same time,
superannuation product.
we made the difficult decision to close our Julia Creek branch after serving that community for 17 years.
OU R COM M U N ITI ES We have again continued our Community Grants program,
During the last financial year, we continued to upgrade our branch network, with full refurbishments completed in Charters Towers and Jimboomba. We are proud to be able to provide our staff and Members with modern facilities where they can feel comfortable to discuss their financial and health insurance needs.
with more than $1.5 million distributed to community groups throughout Queensland since 2004. Our grants assessment process involves community leaders conducting an initial review with local Branch Managers, before submission to a final review process. Thank you to everyone who has contributed to assessing grant applications since the
We have continued to develop our product range this year,
commencement of this program. The funding we have
with notable developments including the extension of our
provided has directly helped over 520 local groups in the
Eco Smart Loans, catering to Members who are looking to
important roles they play in our communities.
improve the environmental sustainability of their home or to purchase an environmentally friendly vehicle. Our ‘Mullet’ home loans, combining fixed and variable components, also proved very popular and attracted significant attention with an innovative marketing campaign.
In addition, we continue to sponsor a variety of events that are important to our local communities. Major sponsorships have included the North Queensland Cowboys and the Brisbane Broncos National Rugby League teams and the Townsville Crocodiles and the Townsville Fire National Basketball teams.
GLADSTONE BRANCH
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a refreshing atitude to banking
Queensland Country Credit Union Limited and Controlled Entities - Annual Report 2011-2012 ABN 77 087 651 027
CHAIRMAN AND CHIEF EXECUTIVE OFFICERS REPORT
BOAR D OF DI R ECTORS During the year, Michael Beard and Mike Steindl retired on a rotational basis as required by our Constitution. Following an election process, both Directors were reappointed to the Board.
OU R STAFF Queensland Country employs over 270 staff. Periodic surveys show the high levels of staff engagement that exists across the business. This year we have increased our investment in developing our people with the establishment
Being a Director involves significant commitment of time
of an Emerging Leaders program. More recently we have
and carries a high level of responsibility. We are very
commenced delivery of a sales training program that will
fortunate to have such a dedicated group of individuals
build the confidence of our staff in matching our products to
who each contribute so effectively to the oversight of the
the needs of Members, while still being true to our Mutual,
operations and the direction of the Credit Union.
Member focused culture. Our staff are passionate about our Members and helping
OU R FUTU R E
them to achieve their financial goals and we take this
Early in 2012, Directors and Executive staff took time
opportunity to thank each staff member for the dedication
to reassess the strategic direction of the business. Our
and commitment demonstrated over the last 12 months.
planning process included input from all staff and we took time with them to reassess the core principles and behaviours that underpin how we conduct our business. The end result of this process was a newly crafted Strategic Plan, with a clear vision and direction for the years ahead. Queensland Country remains firmly committed to providing for the financial and health insurance needs of Regional
Bruno Cullen, Chairman
Queenslanders. In the year ahead we intend to progress a number of key projects that will help achieve our strategic goals. This includes delivery of a mobile banking platform, a new web site, a modern new contact centre and some improvements to our transactional accounts. We are also investing in our core banking systems and we have purchased land in Townsville with a view to constructing a new purpose built head office.
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Aileen Cull, Chief Executive Officer
P O R T F O L I O
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$950,504,267
2012
$900,164,284
2011
$818,221,012
2010
$726,192,151
2009
$693,246,072
2008
$626,760,244
T O TA L
L O A N S
2007
$529,891,621
2006
$457,922,156
2005
$334,366,876
2004
$312,984,592
2003
$301,349,476
2002
$272,984,049
2001
D E P O S ITS
P ORT F O LI O
$200M
TOTA L P O R T F O L I O
$800M
$1B
$1,044,275,513 $968,933,769
2011
$890,571,235
2010
$801,542,695
2009
$698,942,575
2008
$652,094,511
2007
$584,861,191
2006
$488,568,118
2005
$393,023,057
2004
$357,942,939 $312,288,874
2002
$282,995,513
2001
$200M
A S S E T S
$600M
2012
2003
T O TA L
$400M
$400M
$600M
$800M
$1B
$1.2B $1,166,587,001
2012
$1,077,519,538
2011 2010
$1,003,601,708 $899,128,614
2009
$831,072,201
2008
$753,305,945
2007
$674,005,417
2006
$554,182,184
2005
$438,839,286
2004
$407,514,559
2003
$365,351,430
2002
$328,557,537
2001
$200M
$400M
$600M
$800M
$1B
$1.2B
a refreshing atî“łitude to banking
Queensland Country Credit Union Limited and Controlled Entities - Annual Report 2011-2012 ABN 77 087 651 027
D I R ECTO R S
B R U NO CU LLE N CHAI R
KAR E N R EAD DE PUTY CHAI R
M ICHAE L B EAR D DI R ECTOR
RAY SOUTHWE LL DI R ECTOR
Bruno has served on the
Karen Read initially joined the
Michael Beard has been a
Ray Southwell started his
Board since 2001. He started
Board in 1997, serving for four
director since 1985 and is
career working as a chartered
his career with the then Isa
years before resigning due to
Queensland Country Credit
accountant in Queensland and
Mine Employees Credit Union
work commitments. She was
Union’s longest serving
Victoria. In 1982 with over a
as Loans Manager in 1977
subsequently reappointed
Board Member. His work as a
decade of experience, Ray
in Mount Isa, before being
to the Board in 2005. Karen
chartered accountant assists
opened his own business. He
promoted to Assistant General
started her finance career at
the Board with the Credit
served as a Director of the
Manager in 1979. In 1988
a chartered accounting firm in
Union’s complex financial
South East Community Credit
he transferred to Brisbane as
Mackay, and currently works
reporting requirements. Michael
Society Board from January
General Manager Development.
as the General Manager –
keeps himself busy with his
1997 until the merger of that
Then in late 1989 he became
Financial Services, Commercial
accountancy offices in Noosa
organisation with Queensland
CEO before taking up the
& Administration for Xstrata
and Mount Isa and his family
Country in 2005. Ray brings to
role of Managing Director in
Mount Isa Mines. With a career
retail clothing businesses.
the Board experience in auditing
2001. In January 2003 Bruno
spanning 25 years in the mining
When congratulated on his long
and business advisory services,
resigned from the Credit Union
industry, Karen has undertaken
standing service as a director
and has a special interest in
to take up the role of Managing
a variety of roles that have
Michael said “it’s been an
taxation law. Specifically, Ray
Director at the Brisbane
seen her work both in Australia
honour to be a Board Member
enjoys helping business owners
Broncos, but remained as a
and abroad. Karen has been
of the Credit Union for 25 years.
maximise the rewards they can
Director of Queensland Country.
a Member of Queensland
I am very proud of the fact that
achieve in their own business
In 2004 Bruno was elected
Country Credit Union for
the organisation has grown
fields.
Deputy Chair of the Board and
over 20 years and speaks
considerably over this time but
in 2006 became Chairman.
highly of the organisation for
still remains Member focused”.
continuing to provide services to Members particularly in areas of Queensland where other financial institutions choose not to service.
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M I KE STE I N DL DI R ECTOR
B RAD WE B B DI R ECTOR
PAU L WH ITE DI R ECTOR
Mike Steindl became a Director
Brad joined the Board in 2007.
Paul White joined the Board in
of Queensland Country in
He is the Managing Director
2004. Prior to this Paul served
2005, having previously been
of the Townsville based BM
with the Queensland Police
a Director of South East
Webb Group. Established as
Service for almost 20 years.
Community Credit Society.
an interstate truck haulage
Leaving behind the role of
Mike commenced his career in
business in 1979, his business
Officer in Charge of Mount Isa in
retailing as a Trainee Manager
has grown into a diverse group
2003, Paul moved into a Human
after leaving school. Upon
that specialises in construction
Resource Management role with
completing the traineeship
and leasing of large industrial
Xstrata Zinc, and in 2005 took
he was appointed to a Store
warehouses. The group also
up a position as Sustainable
Manager role. Mike spent 15
includes a concrete plant, quarry,
Development Manager with
years in the retail industry in
pre-cast panel factory, transport
Anglo Coal Australia and later
southern Queensland and
fleet and civil division. Brad
the Regional Manager Employee
northern NSW, after which time
shares his wealth of regional
Strategy and Performance. In
he opened and successfully ran
business experience with
2011 Paul was appointed to
his own retailing business for
the Board.
the position of Chief Executive
25 years.
Officer with the Brisbane Broncos.
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OUR CREDIT UNION
Queensland Country Credit Union is an independent, Member owned organisation providing a full range of competitive financial services.
OU R STR E NGTH & SECU R ITY Our strength and financial security are derived from our diverse asset base of over $1 billion. At any time, around 90% of savings deposited with the Credit Union are lent back to Members through personal, home and investment loans, which demonstrates our commitment to ensuring Members get the best value for money when dealing
OU R M E M B E RS
with us.
Our Members are the most important part of our service.
Our spare funds are invested conservatively and are mainly
They are always at the centre of what we do. Our primary
held in deposits with large regulated Australian Financial
business objective is to help Members meet their financial
Institutions. The Credit Union does not invest in the stock
goals whilst engaging with our communities in a way that
market or overseas.
would make our Members proud.
We are regulated by the same Government regulator as the
Every decision we make at Queensland Country Credit
major banks - the Australian Prudential Regulation Authority
Union takes into consideration the benefit for our Members
(APRA). APRA’s duty is to minimise the chance that a
and communities as we work to maintain and grow their
Financial Institution will be unable to meet its obligations
respect and trust.
to depositors. Credit Unions, Banks and Building Societies
As a mutual organisation, we remain committed to the ideals upon which we were founded. When you join Queensland Country Credit Union, you purchase one membership share. This means you become a part-owner of the Credit Union
must all comply with the same set of APRA rules (known as Prudential Standards). Queensland Country complies with all Prudential Standards and is in a strong and stable financial position.
and can rely on us for your savings, loans and other financial product and service needs. You’re also entitled to vote in the election of our Board of Directors, who set the operating policies for the Credit Union and supervise the performance of the organisation. With over 58,000 Members and 23 branches stretching from as far north as Weipa, south to Stanthorpe and west to Mount Isa, Queensland Country prides itself on being committed to fellow Queenslanders.
a refreshing atitude to banking
Queensland Country Credit Union Limited and Controlled Entities - Annual Report 2011-2012 ABN 77 087 651 027
SPONSORSHIPS
Queensland Country Credit Union is committed to making a positive contribution in our local communities.
SPONSORSH I PS
As a Queensland based organisation,
Queensland Country provides
we focus on providing sponsorship
sponsorship for a wide range of
within our branch areas.
activities and groups that offer tangible benefits to the community and encourage active participation in local events.
One of the most valuable ways we achieve this is by providing financial assistance to community organisations. We continue to support our communities through sponsorships and our Community Grants Scheme.
MAJOR COR PORATE SPONSORSH I PS In addition to supporting the local community through sponsorships, we
We understand the important role
are also major sponsors of some of
grass-roots organisations and
Queensland’s most iconic sporting
events play in the development of a
teams:
community, and we’re committed to seeking out ways to become actively involved in these activities wherever possible. Queensland Country sponsors events and community groups through
• The Brisbane Broncos (Official Banking Partner) • The North Queensland Cowboys (Official Banking Partner) • The Townsville Crocodiles
financial or other assistance, such as financial or banking services. This assistance helps raise the profile and awareness of an event or group and contributes to its success in delivering positive outcomes to the community.
Throughout the year, Queensland Country organises and participates at community functions with these teams to collectively demonstrate our combined support for the local community.
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COMMUNITY G R ANTS S C H E M E
Queensland Country provides funding for not-for-profit groups across Queensland as part of our Community Grants Scheme.
The Scheme gives Queensland Country groups and develop other communities
Our Community Grants are provided for programs in the areas of:
in line with our aim to positively
•
Arts, culture and heritage
•
Sport and recreation
a proactive way to support community
contribute to our local communities and the lives of our Members.
(where the activity benefits the We understand community groups
whole community)
play an important role in shaping the
This Scheme allocates funding to groups in our branch areas for a wide range of activities, facilities and services. Each initiative is awarded support based on the capacity of the group or project to deliver tangible, long-term improvements in the lives of their communities.
•
Health
difficult for these small organisations
•
Education
to self-fund valuable activities and
•
The environment
social fabric of a community. It is often
services and we are committed to making a difference. Queensland Country aims to offset costs or fully fund projects that are deemed to be widely beneficial to the community every year. We are proud to assist local groups in developing and expanding their activities and reach within their communities.
a refreshing atitude to banking
Queensland Country Credit Union Limited and Controlled Entities - Annual Report 2011-2012 ABN 77 087 651 027
P R O D U CTS AND SERVICES
At Queensland Country, we have products to make banking easy. We offer a range of banking products and services like transaction, savings and long term investment accounts to meet the needs of our diverse membership base.
SAVI NGS & CASH MANAG E M E NT ACCOU NTS
EVE RYDAY TRANSACTION ACCOU NTS
Cash Management also offers a higher interest rate on at call funds with the flexibility of branch access.
Our four everyday transaction accounts have features that complement the way Members like to access their money. e-Access is ideal for Members who prefer to transact using electronic channels. Traditional is suited to Members that like to conduct their banking in person at a branch. Options is perfect for Members who transact infrequently and want to avoid a monthly service fee. Options Plus is for Members who have an offset facility attached to their home loan or Members with a credit facility or Members receiving an Aged Pension from Centrelink or the Department of Veterans Affairs.
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Our savings and cash management accounts are to assist Members reach their savings goals. We have a range of accounts to meet the needs of our Members, based on how they like to access their savings. Online Saver is a high interest internet banking account that allows Members to access their savings at any time.
Pension Plus is designed specifically for Members receiving an Aged Pension from Centrelink or the Department of Veterans Affairs or self-funded retirees (over the age of 65) who wish to receive at least the Government deeming rate of interest. Bonus Saver rewards Members who make monthly deposits and no withdrawals with a bonus interest rate. Christmas Club encourages Members to contribute regular deposits throughout the year, with savings made available in either November or December. Fixed Term Deposits offer Members peace of mind with a guaranteed interest rate on funds invested for a fixed period of time.
B I LLPAYI NG Our Members love our Billpaying account, and it’s easy to see why. The Billpaying account is more than a savings account, it’s a unique budgeting service. Members contribute regular deposits each pay day, and when their nominated bills come in they simply provide them and Queensland Country ensures the bill is paid on time. Interest is paid when the account balance is in credit and Members are not charged interest on overdrawn funds.
SU PE R R ETI R E M E NT SAVI NGS ACCOU NT The Super Retirement Savings Account is a low-risk, worry-free superannuation investment account. It offers Members great returns through a competitive variable or fixed term rate, with no exposure to share market volatility. Invested capital is guaranteed by the assets of Queensland Country Credit Union, and the account has all of the same benefits and rules that apply to other super funds.
LOANS Queensland Country makes it easy for our Members to borrow money for a wide range of purposes. We understand that one of the biggest things Members have in mind is wanting to pay the loan off as soon as possible with low interest rates and low fees.
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Personal Loans can be used to fund cars, boats, holidays, home improvements or consolidate debt, and can be secured or unsecured.
well as business overdrafts and credit cards to assist in managing day-to-day cash flow and streamlining payment facilities.
ECO SMART LOANS
I NSU RANCE
Queensland Country is committed to providing sustainable banking practices and delivering products that assist Members with pursuing environmentally friendly endeavours. We offer an Eco Smart Car Loan and an Eco Smart Green Loan to finance environmentally friendly home improvements.
General and Life Insurance Queensland Country offers insurance cover for vehicles, home and contents, landlords, life and income and travel through CGU Insurance Limited and Clearview Life Assurance Limited.
HOM E LOANS We make purchasing a house or property as easy as possible. We offer a range of home loans, with both fixed and variable rates, for buying, building, purchasing a house and land package, investing in vacant land or refinancing an existing home loan.
VISA CR E DIT CAR D Our Visa credit cards offer exceptional value with a low rate, up to 55 days interest free, four designs including the exclusive Broncos and Cowboys supporter cards, and the unique Rewarder program, which allows Members to accumulate points that can be redeemed as cash through any EFTPOS terminal in Australia.
B USI N ESS ACCOU NTS & LOANS For our business customers, we offer transaction and savings accounts as
Health Insurance Queensland Country Health Fund is a subsidiary company that provides singles, couples and families with the high quality health insurance at an affordable price.
OTH E R SE RVICES Website Our website provides information about our products and services and has comprehensive loans, saving and budgeting calculators, personal loans and credit cards online applications, current interest rates and job vacancies. CU Online Internet Banking CU Online provides Members 24 hour secure access to their accounts. Members can view account balances, transfer funds, pay bills using BPAY, view, print and download recent transactions and statements.
balances, verify transactions, utilise BPAY and transfer funds between accounts using phone service. ATM & EFTPOS At Queensland Country we understand convenience is important to our Members and that’s why we have partnered with Westpac. Our partnership gives Members access to more than 2,000 fee friendly ATMs across Australia, meaning they can visit any Westpac or St George ATM to receive a number of free withdrawals each month, before being charged a reduced fee. Our Visa Debit card can be used at all ATMs in Australia and any ATM worldwide that accepts Visa, as well as more than 60,000 EFTPOS outlets across Australia and 3,300 Australia Post Bank@Post outlets. Our CueCard also has Maestro and Cirrus access at ATM and EFTPOS facilities worldwide. To obtain more information on any of our accounts or products, simply visit any Queensland Country Credit Union branch and obtain a copy of the relevant product information brochure.
Phone Service Our phone service provides Members with 24 hour secure access to their accounts. Members can obtain
a refreshing atitude to banking
Queensland Country Credit Union Limited and Controlled Entities - Annual Report 2011-2012 ABN 77 087 651 027
MANAG E M E NT TEAM Aileen Cull
Chief Executive Officer
Aaron Newman
Deputy CEO & General Manager | Health Fund
Katherine Brennan
General Manager | Human Resources
Cheryl Fitzgerald
General Manager | Risk & Company Secretary
Petrice Gould
Chief Financial Officer
Joan Raffé
General Manager | Legal & Compliance
Glenn Seri
General Manager | Support Services
Cameron Thompson
General Manager | Sales & Service
Shawn Anderson
Credit Manager
Peter Beaumont
Sales Manager | Health Fund
Robin Bode
Business Development Manger | Health Fund
Sue Byrnes
QC Direct Manager
Simon Coles
IT Manager
Carmel Dal Ponte
Branch Network Manager
Jodi Davies
Deputy Chief Financial Officer
Kellie Davis
Mortgage Direct Manager
Joel Flor
Branch Operations Manager
Pat Hills
Training & Development Manager
Murray Hobbs
General Insurance Manager
Peter Holzknecht
Branch Network Manager
Julie Lloyd
Billpaying Administration Manager
Damien Martin
Contact Centre Manager
Dion Matthews
Product Development Manager
Gail McKenzie
Member Administration Manager
Ros Miles
Health Fund Manager
Steve Scholefield
Human Resources Manager
Sarah Standen
Marketing & PR Manager
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AREA, BRANCH AND R E LI E F MANAG E RS Area Managers Graham Barram
Mount Isa Region
Alan Cameron
Stanthorpe
Ross Meier
Bowen and Collinsville
Bob Robinson
Mackay
David Smith
Cairns and Weipa
Branch Managers Cheryl Andrews
Jimboomba
Erinn Beams
Tieri
Dianne Clarke
SmithďŹ eld
Lyn Collins
Home Hill
Dylan Dixon
Willows
Greg Gartrell
Aitkenvale & Townsville Hospital
Darryl Hill
Weipa
Ryan Keith
Ayr
Sue Murphy
Charters Towers
Lyn Nash
Gladstone
Ken Noble
Beaudesert
Marissa North
Brisbane
Carissa Paske
Collinsville
Jodie Rogers
Mount Pleasant
Ron Stephen
Magnetic Island
Kerry Young
Woodlands
Vacant
Glenden
Relief Managers Jamie Cureton Meagan Morris
Mobile Lender Nicole Stanier
a refreshing atî“łitude to banking
Queensland Country Credit Union Limited and Controlled Entities - Annual Report 2011-2012 ABN 77 087 651 027
C O N TA C T A I LS D E TA H E A D O F F I C E & A D M I N I S T R AT I O N 85 Patrick Street, Aitkenvale
4750 3300
QU E E N S LAN D COU NTRY CR E D IT U N I ON B RAN CH E S Beaudesert Bowen Brisbane Burdekin Ayr: Home Hill: Cairns Earlville: Smithfield: Charters Towers Collinsville Gladstone Glenden Jimboomba Mackay Caneland Central: Mount Pleasant: Mount Isa Stanthorpe Tieri Townsville Aitkenvale: Magnetic Island: Townsville Hospital: Willows: Woodlands: Weipa Boulia Auth representative:
8 William Street 37 Williams Street 256 Adelaide Street
5541 1544 4786 2999 3832 0200
186 Queen Street 76 Eighth Avenue
4783 5222 4782 2211
514 - 516 Mulgrave Road Smithfield Shopping Centre Town Plaza Shopping Centre 12 Stanley Street Gladstone Central Shopping Centre Glenden Shopping Centre Jimboomba Shopping Centre
4033 5299 4038 3999 4787 4199 4785 5307 4972 0304 4958 9533 5546 9916
Caneland Central Shopping Centre Mount Pleasant Shopping Centre 70 Camooweal Street 3 Maryland Street Tieri Shopping Centre
4957 3272 4942 7800 4743 6366 4681 1877 4984 8247
296 Ross River Road 98-100 Sooning Street, Nelly Bay Angus Smith Drive Willows Shopping Centre Woodlands Shopping Centre Cnr Kerr Drive Point Drive & Commercial Avenue
4750 3350 4758 1600 4725 7756 4723 0355 4751 5333 4069 7555
Shire Council Office, Herbert Street
4746 3399
Australia Post
Appointed agents: Bank@post outlets Australia-wide
www.qccu.com m.au u | info@qc ccu.com.au
Q U E E N S L A N D C O U N T R Y H E A LT H F U N D Ayr Gladstone Mackay Mount Isa Townsville Call Centre: Willows:
186 Queen Street Gladstone Central Shopping Centre Caneland Central Shopping Centre 70 Camooweal Street Level 1, 296 Ross River Road, Aitkenvale Willows Shopping Centre
www.qldcounttryhe ealth.com.au | info@qch hfund.com.au
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4783 5222 4972 0304 4957 3272 4743 2777 1800 813 415 4723 1175
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PHOTO CR E D ITS Page 2 Tom Anderson – Golden Sunset Amanda Neilson – Venus Battery Sarah Standen – Charters Towers Fishing Page 3 Isaac Neilson – Sky Colours Page 7 Di Leakey – Fishing at Sunrise Mike Manning – Blaze of Glory Tom Anderson – Golden Sunset Page 69 B.Reid – Campdraft Sunset Page 70 M.Benstead – Clover over the Valley
a refreshing atitude to banking
Queensland Country Credit Union Limited ABN 77 087 651 027 | AFSL/Australian Credit Licence 244 533