Caisse Desjardins Du Centre-Nord De Montreal

What Caisse Desjardins Du Centre-Nord De Montreal does

Caisse Desjardins du Centre-nord de Montr\u00e9al is a member-owned cooperative credit union (caisse) operating within the Desjardins Group federated network and regulated by the F\u00e9d\u00e9ration des caisses Desjardins du Qu\u00e9bec. The entity serves individual members (Particuliers) and businesses (Entreprises) across the Centre-Nord Montr\u00e9al territory, delivering a comprehensive suite of retail and commercial financial services including chequing and savings accounts, credit cards, mortgages, personal and business loans, treasury management, group retirement plans, individual and commercial insurance, wealth management, and self-directed brokerage (Disnat). The institution is differentiated from conventional banks by its cooperative governance model, in which members elect the board of directors, and by its multilingual service delivery across at least ten languages reflecting the demographic mix of its catchment area.

The operating model is built on a hybrid physical-digital channel strategy. The physical footprint comprises a main branch at 8300 boulevard Saint-Laurent (full advisory and transactional services), two service centers (Domaine Saint-Sulpice offering advisory by appointment, and Ahuntsic offering the majority of products), and two automated service points (Saint-Andr\u00e9-Ap\u00f4tre supporting withdrawals and deposits, and March\u00e9 Jean-Talon supporting withdrawals only). Digital channels are provided at the group level through the Acc\u00e8sD retail platform, Acc\u00e8dAffaires business platform, and the Services Mobiles Desjardins mobile application on iOS and Android. The entity does not own or operate its own core technology stack; rather, it layers local advisory and community engagement on top of the Desjardins Group platform.

Revenue is generated from three primary streams: net interest income on the lending book (mortgages, personal loans, and commercial financing), transactional and account servicing fees, and recurring commissions from investment, wealth management, and insurance products. Pricing is not publicly disclosed and is communicated on a consultation basis to members. The institution is not publicly traded and does not raise external capital; it is capitalized through member deposits and retained earnings under the cooperative structure. Governance is exercised through a 15-member elected board of directors chaired by Jean-Marc Brodeur, with executive leadership under CEO Richard Georges (MBA), supported by directors across market development, member experience, corporate services, talent/culture/D&I, and community engagement functions.

Name

Caisse Desjardins Du Centre-Nord De Montreal

Legal name

Caisse Desjardins du Centre-nord de Montréal

Website

https://desjardinscentrenord.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

101–250 employees

Short description

Caisse Desjardins du Centre-nord de Montréal is a cooperative credit union serving individuals and businesses in the Centre-Nord Montréal area, delivering retail and commercial banking, lending, insurance, wealth management, and group retirement services through a branch network integrated with the Desjardins Group's digital platforms.

Ownership category

akta.pro rank

Headquarters

HQ city

Montreal

HQ country

Canada

HQ region

North America

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Interest income from lending: Traditional credit union revenue from interest on mortgages, personal loans, and business financing
2. Financial service fees: Fees from account services, transactions, and financial products
3. Investment and wealth management services: Revenue from investment products, wealth management, and retirement planning services

Distribution channels3 records

Marketing channels4 records

Core offering

Caisse Desjardins du Centre-nord de Montréal is a cooperative credit union operating within the Desjardins Group network, providing personal and business banking, lending, investment, insurance, and wealth management services to members in the Centre-Nord de Montréal area. It offers checking and savings accounts, credit cards, mortgages, personal and commercial loans, group retirement plans, and digital banking through the AccèsD and AccèsD Affaires platforms, supported by mobile applications and ATM services.

Product overview

Caisse Desjardins du Centre-nord de Montréal is a cooperative financial institution offering a comprehensive suite of banking and financial services. The core digital banking platforms include AccèsD (retail online banking) and AccèsD Affaires (business banking), supported by mobile applications on iOS and Android. The institution provides a full range of products spanning personal and business accounts, credit cards, mortgages, personal and business loans, savings and investment products, individual and business insurance, wealth management, group retirement plans, international banking services, and self-service ATM networks. The services are integrated through the Desjardins ecosystem, allowing members to access various financial solutions through unified digital channels and in-person at service centers.

Differentiator

Problem solved

Functional benefit

Products and services

• AccèsD
• AccèsD Affaires
• Services Mobiles Desjardins
• Comptes et Services
• Cartes de Crédit
• Hypothéque
• Prêts et Marges de Crédit
• Épargne et Placements
• Assurances Particuliers
• Assurances Entreprises
• Gestion de Patrimoine
• Épargne-Retraite Collective
• Financement et Prêts Entreprises
• Services Internationaux
• Desjardins Courtage en Ligne
• Guichets Automatiques
• Comptes et Gestion de Trésorerie Entreprises

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Vancity: Largest community credit union in Canada (BC), serving ~550,000 members with full-service banking, wealth, and commercial services. Strong comparable on cooperative governance, ESG positioning, and multi-channel retail/commercial model.
• Meridian Credit Union: Ontario-based credit union with ~$30B+ in assets, full retail/commercial banking and wealth platform. Useful peer for scaling benchmarks of a large Canadian credit union competing against Schedule I banks.
• First West Credit Union: Western Canadian credit union operating across BC with retail, business, and wealth services. Compares as a multi-branch cooperative bank of similar operational complexity to a Québec caisse.
• Alterna Savings: Ontario and federal credit union offering full retail and commercial banking including mortgages and investments. Direct comparable for community-rooted cooperative banking outside Québec.
• Coast Capital Savings: Canadian credit union in British Columbia offering retail banking, lending, wealth, and insurance to ~600,000 members. Direct operational analog as a mid-size Canadian cooperative financial institution competing against Big 6 banks.
• Caisses Desjardins ontariennes (e.g., Caisse Desjardins Ontario): Desjardins' Ontario-based caisses serve francophone and bilingual communities outside Québec with the same cooperative model and group platforms. Comparable mission (linguistic minority financial services) and product breadth, useful as a peer for cross-market organic growth benchmarks.
• Caisse Desjardins de Lévis: Another Québec Desjardins caisse offering the same retail/business banking, lending, and wealth products under the cooperative umbrella. Closest functional analog — same federation platforms (AccèsD), same regulatory framework, same product set, just operating in a different local market.

Broad incumbents

• National Bank of Canada: Headquartered in Montréal and one of Canada's Big 6 banks, with strong retail/commercial/wealth presence in Québec. The dominant incumbent competitor the caisse competes against for local SMB and retail deposits.
• Desjardins Group (Fédération des caisses Desjardins du Québec): Parent federation providing the institutional platforms, insurance, wealth, and capital-markets capabilities that the caisse accesses. Larger incumbent whose group-wide strategy (digital, product roadmap, brand) directly determines the caisse's competitive position.

Emerging players

• Wealthsimple: Canadian fintech leader in low-fee investing, chequing/savings, and crypto. Emerging competitor that increasingly competes for the deposit and investment-share dollars traditionally held by credit unions like Caisse Desjardins.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights5 records

Customer concentration

• YouTubeyoutube.com/mouvementdesjardins
• Facebookfacebook.com/159217010785899
• LinkedInlinkedin.com/company/caisse-desjardins-centre-nord-montreal
• Instagraminstagram.com/desjardinscoop
• Xx.com/desjardinscnm

Revenue estimate

Valuation estimate

Number of profiles

Profiles26 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Caisse Desjardins Du Centre-Nord De Montreal