Yes, I would.
We have been predominant west of the Ontario border historically, especially in B.C., Saskatchewan, and Manitoba. We've been growing in Alberta but we do face ATB there.
In Ontario, if you live in Toronto or if you live in Ottawa, you might be misled even in terms of the scope of the credit union system because you might not see that many. My dad was a member of the Ontario Educational Credit Union and we used to have to drive up to this little box of a building. I always wondered what he did there and then I realized it was a credit union. So that was not in my experience growing up.
But if you now go into London, Ontario, or Guelph, or Kawartha, you're seeing credit unions growing all over. I think that part of the dynamic is our competitors at the banks changing their positioning in the market and our being able to take up some of that.
Once again, we have a lower penetration in the Atlantic market but the banks have been there historically right from the beginning of Confederation so it's been a struggle.