From the CCUA's Enterprise Magazine: Credit Union branch designs driven by technological shifts
ratio wrote this on May 16

RATIO principal, Chris Pollard was interviewed for Enterprise Magazine, published by the Canadian Credit Union Association for his thoughts on future-proofing credit union branch design. Credit Unions are adapting their branches to address usage shifts as a result of technology; now and for the future. Chris shares thoughts on scalability, member insights and community profiling.


Introducing RATIO’s newest staff members
RATIO wrote this on May 16

RATIO’s been busy!

We are pleased to introduce our newest team members. The RATIO team comes from diverse backgrounds and experiences.  Because we work collaboratively as a team and with our clients, we are able to think distinctively and take a progressive approach with rigorous creativity. This allows us to help our clients see what is possible to create inspiring, innovative and sustainable spaces.

“On behalf of the  whole RATIO team, welcome to our newest team members.”

Christopher Pollard, Principal, RATIO


Adriana Palomares_Ratio_Office Manager

Adriana Palomares, Office Manager

RATIO ’s new office manager, Adriana Palomares, operates command central for the RATIO team; she’s responsible from accounting to overall office management. Originally from Brasil, Adriana has lived and worked in Vancouver for 21 years.


Aislinn Cunningham Ratio Designer_B.Arch

Aislinn Cunningham, Designer

Aislinn is a  creative, enthusiastic and hard working architecture graduate. She has worked and volunteered, locally and internationally. From Ireland, Aislinn is a graduate of the University of Limerick with a B.Arch. She has a passion for promoting tactical urbanism and the importance of design in a city.


Ana Albernaz Ratio Designer

Ana Albernaz, Designer

Originally from Rio, Ana is a graduate of the University of Brasilia with a Bachelor degree in Architecture and Urbanism. She says “ I love working on projects where I can think of architecture and interior design together so the atmosphere is cohesive, fluid and elegant.”


Sehr Bokhari-Latif, Project Manager

Sehr adds experience and expertise to the RATIO team with an MSc Arch from University College London, UK, B Arch from the Pratt Institute, Brooklyn, New York and holds a LEED AP BD+C certification. Originally from Karachi, Pakistan, Sehr brings international experience in residential and commercial architecture.   She has extensive education management experience both locally and internationally.  Sehr likes Vancouver because of the diversity of people who call it home; the variety of restaurants and food. When asked what she likes best about her profession she says, “Architecture, in practice and in the field of study, has wide-ranging implications for, and impacts every segment of society.”


Melissa Gonzalez Ratio Designer

Melissa Gonzalez, Designer

Melissa loves Vancouver because it is a coastal city surrounded by mountains, amazing views, well defined seasons that lets her enjoy of outdoor activities all year round. With a B. Sc. Arch. From ITESO in Guadalajara, she is a registered Architect in Mexico with over 15 years of international and Canadian experience.


See our whole team here.

Ratio’s Island Savings work featured in global Branch Design Report
RATIO wrote this on Feb 14

Recently released,  a global branch design report features 25 case studies from around the world including RATIO’s work for Island Savings. Published by a banking intelligence provider, Lafferty Group, the report is titled Digital Branch Design: Presence, Openness and Intimacy.

The Digital Branch Design report explains how retail banks are reinventing the branch for the digital age and covers three central themes:

Do branches have a brand new role to play in banking?

• How can banks adapt their branches to stay relevant to their customers?

• What is the new relationship between digital technology and branch design?

Here’s a quote from the Island Savings case study:

“Recognition that individual relationships between branch staff and members is key to the broader long-term relationship building was the basis for every design decision. This resulted in a design which provides clear sightlines and more “meeting space” between staff and customers. Advisors’ offices were transformed into member-focused spaces by getting rid of the traditional ‘meet-across-the desk’ scenario. Now the focus is shifted to the “side-by-side” model that allows customers to see the same information as advisors via wall-mounted screens. The credit union offers customers seminars in the same space.”

Lafferty Group, Digital Branch Design: Presence, Openness and Intimacy

Click here to view the Island Savings case study.

RATIO and Credit Unions:

The RATIO team has provided architectural, interior design and planning services to credit unions for over 50 years.  Recent and ongoing financial service projects include the re-imagined Island Savings branch network, award-winning design on the downtown branch of Salmon Arm Savings & Credit Union, refresh of Greater Vancouver Community Credit Union’s brand and branch template. RATIO provides integrated consulting on all Vancity branches and the forward-thinking branch concept for First West Credit Union through their Envision Financial brand.

Want to read more?

Download : Distinctive Thinking: Credit Unions & Brand Consistency   

Credit Union brands: consistency and market focus keys to success

Financial Services: 18 design trends for retail branches

Retail Branches: The bank of now


About the Lafferty Group:

Lafferty is a London, England based 35 yr old banking and payments research and advisory business. This particular Digital Branch Design report is part of their Retail Banking 2020 Research Service for bank and payments clients.


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