Canadian Jurisdictions Research Articles

A Pandemic Federal Election

While Canada’s next fixed date federal election is scheduled for October 2023, one of the consequences of the current minority Parliament elected in 2019 is that a new election could be called at any moment. It is therefore possible that the next federal election will occur while COVID-19 is still a pressing risk to public health. In April 2020, Elections Canada issued a remarkable statement in anticipation of a federal election in the midst of the COVID-19 pandemic. Elections Canada communicated that it might not be able to administer elections in all ridings due to the ongoing public health emergency. In such circumstances, Elections Canada would certify to the Governor General in Council that the writ of election, the legal mechanism for instituting a vote in each of the 338 federal ridings, should be withdrawn. This statement highlighted the difficult decisions facing democracies with upcoming elections in the face of a pandemic caused by a highly transmissible virus. This article assesses the main legal issues raised by the prospect of conducting a federal election in Canada during the pandemic. Building on the experiences in other countries and in the Canadian jurisdictions that have held pandemic elections, I argue for new measures to ensure access to the fundamental right to vote in the face of the pandemic. These reforms include measures at polling stations to ensure public health, the expansion of advance voting, and for rules for mail-in voting that maximize access. Section III summarizes and analyzes the current options for casting a ballot in federal elections.The section argues that reforms are necessary in light of the pandemic. Section IV addresses in-person voting during a pandemic. It discusses in particular changes within polling stations to adapt to the pandemic and the expansion of early voting opportunities. Section V analyzes the pressing topic of mail-in voting. It summarizes what we know about public attitudes to mail-in voting during the pandemic, canvasses models for voting by mail in other jurisdictions, and assesses the deficiencies in the current framework in the Canada Elections Act. I argue that the existing system for voting by mail appears likely to be inadequate if used on a much wider scale than in previous elections, when few votes were cast in that fashion. Voter education should be a priority to maximize the chances that Canadians who intend to cast their ballots by mail will follow the proper procedures and, therefore, have their votes counted. Legislative reforms are also needed, however, to ensure that all ballots received within a reasonable timeframe are counted. The bill before the House that would amend the Elections Act in response to the pandemic does not, in my view, go far enough in updating the legal framework for voting by mail.

A Review of “Optimal Fallow Period” Guidance Across Canadian Jurisdictions

IntroductionUnderstanding how different countries have responded to mitigate the risk of severe acute respiratory syndrome coronavirus 2 (SARS CoV-2) transmission in dental offices is important. This article describes the different approaches taken towards optimal fallow periods in Canadian jurisdictions. MethodsWe searched publicly available information from dentist and dental hygiene regulator websites across the 10 provinces and 3 territories in Canada. We also searched for guidance documents on dental associations’ websites or through personal communication with government officials. We extracted and tabulated information on fallow period recommendations or guidance, when available. ResultsNine jurisdictions (6 provinces and all 3 territories) acknowledge or provide guidance on fallow periods following aerosol-generating procedures. Among those who have provided guidance regarding a fallow period, recommendations follow the Centers for Disease Control and Prevention guidance if the air changes per hour (ACH) in the dental operatory is known. ConclusionThe evidence for deciding on optimal fallow period is limited and still being explored, resulting in substantial variation across Canadian jurisdictions. A focus on developing scientific evidence relevant to dentistry and assimilating existing science is crucial to establishing consistency and uniformity in information to deliver safe oral health care services.

Policy Rogue or Policy Entrepreneur? The Forms and Impacts of "Joined-Up Governance" for Child Health.

Joined-up governance (JUG) approaches have gained attention as mechanisms for tackling wicked policy problems, particularly in intersectoral areas such as child health, where multiple ministries that deliver health and social services must collaborate if they are to be effective. Growing attention to the need to invest in early childhood to improve health and developmental trajectories, including through developmental screening, illustrate the challenges of JUG for child health. Using a comparative case study design comprised of the qualitative analysis of documents and key informant interviews, this work sought to explain how and why visible differences in policy choices have been made across two Canadian jurisdictions (Ontario and Manitoba). Specifically, we sought to understand two dimensions of governance (structure and process) alongside an illustrative example—the case of developmental screening, including how insiders viewed the impacts of governance arrangements in this instance. The two jurisdictions shared a commitment to evidence-based policy making and a similar vision of JUG for child health. Despite this, we found divergence in both governance arrangements and outcomes for developmental screening. In Manitoba, collaboration was prioritized, interests were aligned in a structured decision-making process, evidence and evaluation capacity were inherent to agenda setting, and implementation was considered up front. In Ontario, interests were not aligned and instead decision making operated in an opaque and siloed manner, with little consideration of implementation issues. In these contexts, Ontario pursued developmental screening, whereas Manitoba did not. While both jurisdictions aimed at JUG, only Manitoba developed a coordinated JUG system, whereas Ontario operated as a non-system. As a result, Manitoba’s governance system had the capacity to stop ‘rogue’ action, prioritizing investments in accordance with authorized evidence. In contrast, in the absence of a formal system in Ontario, policy ‘entrepreneurs’ were able to seize a window of opportunity to invest in child health.

Understanding barriers and facilitators to HIV testing in Canada from 2009-2019: A systematic mixed studies review.

HIV testing is a core pillar of Canada's approach to sexually transmitted and blood-borne infection (STBBI) prevention and treatment and is critical to achieving the first Joint United Nations Programme on HIV/AIDS (UNAIDS) 90-90-90 target. Despite progress toward this goal, many Canadians remain unaware of their status and testing varies across populations and jurisdictions. An understanding of drivers of HIV testing is essential to improve access to HIV testing and reach the undiagnosed. To examine current barriers and facilitators of HIV testing across key populations and jurisdictions in Canada. A systematic mixed studies review of peer-reviewed and grey literature was conducted identifying quantitative and qualitative studies of barriers and facilitators to HIV testing in Canada published from 2009 to 2019. Studies were screened for inclusion and identified barriers and facilitators were extracted. The quality of included studies was assessed and results were summarized. Forty-three relevant studies were identified. Common barriers emerge across key populations and jurisdictions, including difficulties accessing testing services, fear and stigma surrounding HIV, low risk perception, insufficient patient confidentiality and lack of resources for testing. Innovative practices that could facilitate HIV testing were identified, such as new testing settings (dental care, pharmacies, mobile units, emergency departments), new modalities (oral testing, peer counselling) and personalized sex/gender and age-based interventions and approaches. Key populations also face unique sociocultural, structural and legislative barriers to HIV testing. Many studies identified the need to offer a broad range of testing options and integrate testing within routine healthcare practices. Efforts to improve access to HIV testing should consider barriers and facilitators at the level of the individual, healthcare provider and policy and should focus on the accessibility, inclusivity, convenience and confidentiality of testing services. In addition, testing services must be adapted to the unique needs and contexts of key populations.

Quantification of solid waste management system efficiency using input–output indices

The assessment of solid waste management systems is vital for continued improvement in the efficiency of waste management systems (WMSs). Many studies have aimed to develop metrics that examine policy and system effectiveness, but there appears to be a lack of simple and comparable metrics to evaluate the WMS efficiency. This study introduces a set of novel waste diversion indicators, including a jurisdictionally comparable index known as diversion size indicator (DSI), and employs them to analyze WMSs in Canada. DSI increased in only a single province Nova Scotia during the 14-year study period. The DSI variability was largest for all Prairie Provinces, indicating that large efficiency changes in these province’s WMSs over the study period. Combining all proposed metrics into a single rank showed that Saskatchewan outperformed all other Canadian jurisdictions, balancing diversion rate goals well with cost efficiency. Findings indicate that Alberta and Ontario rank very low in diversion efficiency and tonnage hauled efficiency. Also, Nova Scotia, the DSI leader, ranks lowest in terms of costs per tonne handled. Data availability remains a large barrier to a complete evaluation of WMSs. Nonetheless, the proposed original metrics create a framework for creating comparable and easy to use metrics for waste management efficiency.

Optimization and validation of a cost-effective protocol for biosurveillance of invasive alien species.

Environmental DNA (eDNA) metabarcoding has revolutionized biodiversity monitoring and invasive pest biosurveillance programs. The introduction of insect pests considered invasive alien species (IAS) into a non‐native range poses a threat to native plant health. The early detection of IAS can allow for prompt actions by regulating authorities, thereby mitigating their impacts. In the present study, we optimized and validated a fast and cost‐effective eDNA metabarcoding protocol for biosurveillance of IAS and characterization of insect and microorganism diversity. Forty‐eight traps were placed, following the CFIA's annual forest insect trapping survey, at four locations in southern Ontario that are high risk for forest IAS. We collected insects and eDNA samples using Lindgren funnel traps that contained a saturated salt (NaCl) solution in the collection jar. Using cytochrome c oxidase I (COI) as a molecular marker, a modified Illumina protocol effectively identified 2,535 Barcode Index Numbers (BINs). BINs were distributed among 57 Orders and 304 Families, with the vast majority being arthropods. Two IAS (Agrilus planipennis and Lymantria dispar) are regulated by the Canadian Food Inspection Agency (CFIA) as plant health pests, are known to occur in the study area, and were identified through eDNA in collected traps. Similarly, using 16S ribosomal RNA and nuclear ribosomal internal transcribed spacer (ITS), five bacterial and three fungal genera, which contain species of regulatory concern across several Canadian jurisdictions, were recovered from all sampling locations. Our study results reaffirm the effectiveness and importance of integrating eDNA metabarcoding as part of identification protocols in biosurveillance programs.

Let’s talk about sexual health education: Youth perspectives on their learning experiences in Canada

Education, and by extension, school-based sexual health education for youth, falls under provincial and territorial jurisdiction in Canada, creating a tapestry of educational experiences across the country. Previous research has found general support for providing sexual health education in schools as reported by teachers, parents, and college/university students. The current study further explores this topic through an examination of the perspectives and opinions of high-school aged youth. The purpose of this study was to develop knowledge to better understand sexual health education experiences in Canada and help determine the extent to which youth feel informed and well supported to develop and maintain their sexual health and participate in healthy sexual and/or romantic relationships. Twelve focus groups were conducted with youth (ages 12–19) across Canada and the transcripts were analyzed using thematic analysis. A total of 10 themes were identified related to what and how youth would like to learn, including four themes about the context and delivery of sexual health education and six themes about the content of sexual health education. Study findings highlight the need for youth perspectives when developing, implementing and evaluating sexual health education and provide insight to help inform recommendations for where educational improvements are warranted.

Do differences in work disability duration by interjurisdictional claim status vary by industry and jurisdictional context?

ObjectivesTo examine whether differences in work disability duration between out-of-province and within-province workers differed by industry and jurisdictional context.MethodsWorkers’ compensation data were used to identify comparable lost time, work-related injury...

Long-Term Residential Care Policy Guidance for Staff to Support Resident Quality of Life.

Background and ObjectivesAmidst a complex policy landscape, long-term residential care (LTRC) staff must navigate directives to provide safe care while also considering resident-preferred quality of life (QoL) supports, which are sometimes at odds with policy expectations. These tensions are often examined using a deficit-based approach to policy analysis, which highlights policy gaps or demonstrates how what is written creates problems in practice.Research Design and MethodsThis study used an asset-based approach by scanning existing LTRC regulations in 4 Canadian jurisdictions for promising staff-related policy guidance for enhancing resident QoL. A modified objective hermeneutics method was used to determine how 63 existing policy documents might be interpreted to support Kane’s 11 QoL domains.ResultsAnalysis revealed regulations that covered all 11 resident QoL domains, albeit with an overemphasis on safety, security, and order. Texts that mentioned other QoL domains often outlined passive or vague roles for staff. However, policy texts were found in all 4 jurisdictions that provided clear language to support staff discretion and flexibility to navigate regulatory tensions and enhance resident QoL.Discussion and ImplicationsThe existing policy landscape includes promising staff-related LTRC regulation in every jurisdiction under investigation. Newer policies tend to reflect more interpretive approaches to staff flexibility and broader QoL concepts. If interpreted through a resident QoL lens and with the right structural supports, these promising texts offer important counters to the rigidity of LTRC policy landscape and can be leveraged to broaden and enhance QoL effectively for residents in LTRC.

Uniformity and Diversity in the Enforcement of Arbitration Clauses in Canada

Arbitration is well established in Canada. All jurisdictions have implemented the 1958 New York Convention, the UNCITRAL Model Law on Arbitration and equivalent legislation for domestic arbitration. This generally supportive legal landscape for arbitration is often at odds with access to justice for consumers. As a result, several jurisdictions in Canada have adopted legislation to guarantee consumers’ access to local courts, including through class actions, notwithstanding the inclusion of arbitration clauses in their contracts. The constitutional division of powers in Canada entitles each province to adopt its own policy, leading to diversity across the country with regard to the enforceability of arbitration clauses in consumer contracts. In this paper, the author examines the tension between general support for arbitration and differentiated treatment of consumer arbitration in Canada. To that end, the author examines relevant legislation in several provinces (including Quebec and Ontario) as well as recent jurisprudence from the Supreme Court of Canada (Dell Computer (2007), Telus (2011) and Wellman (2019)). The 2020 decision from the Supreme Court of Canada in Uber may signal a new openness toward extending protection to other vulnerable contracting parties such as employees.

Family dispute resolution: Characteristics of cases resolved by trial

The vast majority of parental separations and divorces are resolved withoutresulting in a trial in family court, but the cases that proceed to trial have both higher financial and emotional costs for families. A better understanding of the factors associated with the use ofatrial to resolvefamily disputescan assist thefamilyjustice system to develop triage models to identify these cases at an early stage,and to provide resources to families to reduce the likelihood of a trial. A court file study was undertaken at two family courts in Québec, Canada. Of the total random sample (n = 987), 48 cases went to trial, revealing a low rate of trials in the family justice system, though one that is higher than in other Canadian jurisdictions. An additional oversampling of 100 court files that went to trial was completed to better understand the factors associated with trials.Multivariate logistic regression was used to identify factors associated with resolution of a case by a trial. Results show that 6 predictors variables were associated with a family trial: a temporary care motion;not having a jointapplication;representation of the respondent by a lawyer; younger children involved; child resistance to contact;andprior unsuccessfuluse of mediation services. These findings suggest the importance of the early identification of cases thatare likely to result in trialsbased on the factors reported. Future research is required about the decision-making processes of parents, lawyers and judges for a better understanding of the pathways through the family justice process.

Dispute Resolution in the Energy Sector: Wither Thou Goest?

This article examines developments in international commercial arbitration and investment treaty arbitration relevant to the energy sector in Canada and the United States and discusses their advantages and disadvantages. Jurisdictions in Canada and the US have taken a wide variety of approaches to legislative schemes and their interpretation. This has created uncertainty respecting the involvement of the courts in cross-border disputes where the parties have agreed to an arbitration clause. Further, the Canada-United States-Mexico Agreement has eliminated investment treaty arbitration between Canada and the US which existed in the North American Free Trade Agreement, limiting the options of investors to pursue investment treaty claims. These developments may clarify how energy sector participants should strategically manage their contractual arrangements and arbitration clauses and approach disputes.

Canadian Challenges in Implementing the Kyoto Protocol: A Cause for Harmonization

On 17 December 2002, Canada ratified the Kyoto Protocol to the United Nations Framework Convention on Climate Change (Kyoto Protocol), taking on binding targets to reduce Canadian emissions of greenhouse gases (GHGs). Canada's ratification decision and the proposed domestic emissions trading system forming part of Canada's Kyoto implementation plan continue to be the source of considerable disagreement and conflict between the provinces and thefederal government regarding: the practical challenges associated with multiple Canadian jurisdictions implementing emissions trading systems: the current status and legal issues associated with covenants between industry and government(s) to enforce GHG reduction targets; the legal jurisdiction over domestic emissions trading system(s); and the impact on interprovincial and international trade. Each ofthese issues is examined in the unique Canadian legal context. The authors conclude that many ofthe most significant challenges may be mitigated through harmonization and coordination byfederal and provincial governments in a manner that allows for local concerns to be addressed without fragmenting the Canadian emissions markets.

What We Owe Workers as a Matter of Common Humanity: Sickness and Caregiving Leaves and Pay in the Age of Pandemics

The COVID-19 pandemic has tested the limits of many areas of law and they have been found wanting. Sickness and caregiving leaves, paid and unpaid, are one, and as those limits quickly became apparent, all Canadian jurisdictions expanded workers’ leave rights and the federal government created income replacement schemes for workers taking these leaves.2 Suddenly, entitlements that seemed beyond the realm of the politically possible were enacted into law with little resistance. Perhaps it took a pandemic for us to rediscover or, at least, expand the scope of our common humanity.

Descriptive epidemiology of deceased cases of COVID-19 reported during the initial wave of the epidemic in Canada, January 15 to July 9, 2020.

This rapid communication describes deaths among cases of coronavirus disease 2019 (COVID-19) in Canada by province and territory and by case characteristics. Of the 106,804 cases of COVID-19 reported in Canada as of July 9, 2020, 8,749 resulted in death, which represents a mortality rate of 23.3 per 100,000 population, and a case fatality rate (CFR) of 8.2%. Within Canada, the CFR ranged from 0% to 10.0% by province and territory, with the differences likely reflecting differences in the extent of the epidemic within each jurisdiction, and where and among whom localized outbreaks occurred (e.g. outbreaks in long term care homes, affecting older individuals with multi-morbidities). The CFRs increased with age and with the number of pre-existing medical conditions, and among residents of long term care and seniors' homes. Plans are underway to collect more detailed information on cases, including race and ethnicity, which will add to our understanding of the communities most impacted by COVID-19. Studies of excess mortality, a measure of the number of people who died from any cause as compared with the historical average, will help to clarify the full impact of COVID-19 within Canadian jurisdictions.

Store Environment Assessment (SEA) Tool: Design and validation of a food environment audit protocol

Abstract Background Unhealthy food environments are key factors in diet-related disease risk. Many audit methods have been designed for the retail food environment, but weaknesses of existing methods include: validity in study methods and design, and heterogeneity in adaptation and analysis methods. This paper describes the development and validation of a novel protocol for designing store audit instruments - the Store Environment Assessment (SEA) Tool. Methods This research involved four steps: 1. a scoping review of consumer food environment audit tools; 2. classify key variables from the literature; 3. use the variables to design a protocol for development of audit instruments tailored to local contexts and research questions; and 4. validate the protocol by designing and validating a sample audit tool based on Canada's Food Guide (2019). Results Variables from the literature included: Product (availability, variety, size, reference), Price, Promotion, Placement-accompanied by: definition, type of variable, range of values, scale of measurement, and measurement outcome. The protocol has seven steps: identify dietary guideline criteria; conduct content analysis; define setting; align research questions with scale and scope; variable selection; audit tool design; and validation strategy. The protocol was used to design a store audit instrument for Canadian jurisdictions, based on Canada's Food Guide, and validated against the gold standard, Nutrition Environment Measures Survey (NEMS). Discussion The SEA protocol can strengthen researchers and practitioners' capacity to use structured guidelines to develop geographically and socio-demographically relevant Store Environment Assessments, and avoid heterogeneity arising from ad hoc adaptations of tools such as NEMS. Our methodological approach can support greater consistency, feasibility, and rigour of food environment audits for diverse public health research and practice objectives. Key messages Researchers and practitioners will be able to utilize the SEA tool protocol, using jurisdictional food and nutrition criteria, to better assess 4Ps related to food, in retail food environments. The variables and measurement outcomes included in the SEA tool protocol will support public health practitioners in developing relevant interventions to support healthy consumer food purchasing.

Multi-service prevention programs for pregnant and parenting women with substance use and multiple vulnerabilities: Program structure and clients\u2019 perspectives on wraparound programming

BackgroundIn Canada, several community-based, multi-service programs aimed at reaching vulnerable pregnant or parenting women with substance use and complex issues have emerged. These programs offer basic needs and social supports along with perinatal, primary, and mental health care, as well as substance use services. Evaluations of these ‘one-stop’ programs have demonstrated positive outcomes; nevertheless, few published studies have focused on how these programs are structured, on their cross-sectoral partnerships, and on clients’ perceptions of their services.MethodsThe Co-Creating Evidence (CCE) project was a three-year evaluation of eight multi-service programs located in six Canadian jurisdictions. The study used a mixed-methods design involving semi-structured interviews, questionnaires, output data, and de-identified client data. This article focuses on qualitative interviews undertaken with 125 clients during the first round of site visits, supplemented by interview data with program staff and service partners.ResultsEach of the programs in the CCE study employs a multi-service model that both reflects a wrap-around approach to care and is intentionally geared to removing barriers to accessing services. The programs are either operated by a health authority (n = 4) or by a community-based agency (n = 4). The programs’ focus on the social determinants of health, and their provision of primary, prenatal, perinatal and mental health care services is essential; similarly, on-site substance use and trauma/violence related services is pivotal. Further, programs’ support in relation to women’s child welfare issues promotes collaboration, common understanding of expectations, and helps to prevent child/infant removals.ConclusionsThe programs involved in the Co-Creating Evidence study have impressively blended social and primary care and prenatal care. Their success in respectfully and flexibly responding to women’s diverse needs, interests and readiness, within a community-based, wraparound service delivery model paves the way for others offering pre- and postnatal programming.

Association of Influenza Activity and Environmental Conditions With the Risk of Invasive Pneumococcal Disease

Streptococcus pneumoniae is the most commonly identified cause of bacterial pneumonia, and invasive pneumococcal disease (IPD) has a high case fatality rate. The wintertime coseasonality of influenza and IPD in temperate countries has suggested that pathogen-pathogen interaction or environmental conditions may contribute to IPD risk. To evaluate the short-term associations of influenza activity and environmental exposures with IPD risk in temperate countries and to examine the generalizability of such associations across multiple jurisdictions. This case-crossover analysis of 19 566 individuals with IPD from 1998 to 2011 combined individual-level outcomes of IPD and population-level exposures. Participants lived in 12 jurisdictions in Canada (the province of Alberta and cities of Toronto, Vancouver, and Halifax), Australia (Perth, Sydney, Adelaide, Brisbane, and Melbourne), and the United States (Baltimore, Providence, and Philadelphia). Data were analyzed in 2019. Influenza activity, mean temperature, absolute humidity, and UV radiation at delays of 1 to 3 weeks before case occurrence in each jurisdiction. Matched odds ratios (ORs) for IPD associated with changes in exposure variables, estimated using multivariable conditional logistic regression models. Heterogeneity in effects across jurisdictions were evaluated using random-effects meta-analytic models. This study included 19 566 patients: 9629 from Australia (mean [SD] age, 42.8 [30.8] years; 5280 [54.8%] men), 8522 from Canada (only case date reported), and 1415 from the United States (only case date reported). In adjusted models, increased influenza activity was associated with increases in IPD risk 2 weeks later (adjusted OR [aOR] per SD increase, 1.07; 95% CI, 1.01-1.13). Increased humidity was associated with decreased IPD risk 1 week later (aOR per 1 g/m3, 0.98; 95% CI, 0.96-1.00). Other associations were heterogeneous; metaregression suggested that combinations of environmental factors might represent unique local risk signatures. For example, the heterogeneity in effects of UV radiation and humidity at a 2-week lag was partially explained by variation in temperature (UV index: coefficient, 0.0261; 95% CI, 0.0078 to 0.0444; absolute humidity: coefficient, -0.0077; 95% CI, -0.0125 to -0.0030). In this study, influenza was associated with increased IPD risk in temperate countries. This association was not explained by coseasonality or case characteristics and appears generalizable. Absolute humidity was associated with decreased IPD risk in the same jurisdictions. The generalizable nature of these associations has important implications for influenza control and advances the understanding of the seasonality of this important disease.

Mental health services in Canada: Barriers and cost-effective solutions to increase access.

In this article, an overview of the barriers to accessing mental health services in Canada is provided and the recent federal funding commitments toward increasing the availability of evidence-based and cost-effective solutions to improve access to mental health services are highlighted. Barriers pertain mainly to costs, not knowing where to get help, excessive wait times, and insufficient funding. Through the Common Statement of Principles on Shared Health Priorities agreement, action is being taken by all jurisdictions in Canada to increase community-based mental health promotion programs and early interventions, especially those targeting children and youth. A growing body of evidence is demonstrating how specific community and primary care-based interventions are both effective and cost-effective. These integrated community solutions, shown to be effective for increasing access to appropriate services for patients while saving costs to the healthcare system, would benefit from the recent funding investments put in place by the federal government.

Factors affecting Canadian credit unions' financial performance

PurposeThe purpose of this paper is to identify the factors that affect the Canadian credit unions' financial performance which play an important role in providing financial services to the agriculture sector.Design/methodology/approachWe surveyed the literature to identify different performance metrics of credit unions and a set of possible factors that might affect their performance. We collected data related to different dependent and independent variables from financial statements and balance sheets of 189 credit unions and from general websites like Statistics Canada and Bank of Canada. Then, we imputed the missing data and developed fixed effect and random effect panel data regression models. First, we used return on asset as the main dependent variable. Afterwards, we used six performance metrics to check the robustness of our models.FindingsFrom an initial list of 16 possible factors that might affect the financial performance of a credit union, we were able to narrow the factors down to the nine most significant ones. It was observed that credit unions in the prairies were more likely to perform well financially as compared to other provinces. Membership size, the size of a credit union in terms of total assets, capital adequacy ratio, market penetration, diversification of income, inflation rate and provincial GDP and interest rates were significant. The cross-sectional analysis performed confirmed the findings of the fixed effect panel data models.Research limitations/implicationsThis study has a limitation concerning the number of years included into the time series analysis. Only ten years worth of data were available.Practical implicationsResults provide credit union management, service providers for credit unions and market analysts with a current understanding of how different internal and external factors might affect return on assets, return on equity, delinquency, cash ratio, efficiency ratio, asset growth and loan growth. Our models can be used to predict financial performance of credit unions based on the defined significant variables.Originality/valueAlthough there is a wide body of literature that studies performance of banks, not many studies focus on credit unions. Moreover, the existing studies are based on credit unions in United States or Europe, and literature on Canadian credit unions is scarce. The data collected covered 189 Canadian credit unions. To our knowledge this is the first study that looks at the various internal, external and regulatory factors together that affect the credit unions in various jurisdictions of Canada.