Climate Change Data

Environmental Metrics

ESG Focus Areas

• Environmental
• Social
• Governance

Environmental Achievements

• Financed over 427,000 home improvement projects improving energy efficiency (SFC), with ~80% reducing energy consumption and using ENERGY STAR rated products.
• Financed almost 50,000 manufactured homes (Triad), with 1/3 being ENERGY STAR rated.
• Reduced paper consumption across all business units through paperless applications and statements.

Social Achievements

• CEO is a founding member of the Canadian chapter of the 30% Club, resulting in ~30% female representation on ECN's Board.
• Robust employee training, development, and continued learning programs, including tuition reimbursement.
• Donations and matching of employee donations to local and national charities.
• Community volunteer programs and organization support.

Governance Achievements

• Established ESG management committee in 2020 to address ESG impacts and disclosure.
• Compliance with SASB guidelines for the consumer finance industry, addressing customer privacy, data security, and selling practices.
• Strict regulatory oversight by OCC, FDIC, CFPB, NCUA, and NMLS, with zero objections or negative comments during formal examinations.
• Implementation of various policies including anti-money laundering, Truth in Lending Act compliance, and data security measures.

Climate Goals & Targets

Supply Chain Management

Responsible Procurement

• Majority of manufacturers have Energy Star rated manufacturing facilities

Climate-Related Risks & Opportunities

Reporting Standards

Frameworks Used: SASB