Not the full picture. Built from public records, which leave things out.Read by hand, Oct 2026DetailsThis is built from public records, which leave a lot out, and some of it may be wrong or out of date. Check the sources, and tell us if you spot a mistake. What this site can't tell you Read by hand. We read Assiginack's own documents for this site in October 2026; the Sources page lists which ones. The comparisons with other places still come from the Province's yearly reports.
Questions · 10 so far
Things worth asking about
We read Assiginack's financial reports and meeting minutes, and compared its numbers with 49 similar Ontario towns. These are the things that stood out.
What these are, and what they are not. A question here means a number or practice is unusual, or harder to see than it should be. It does not mean anyone did anything wrong. Most unusual numbers turn out to have ordinary explanations, and every question lists some. The only way to know is to ask.
Needs an answer
Needs an answer
These are unusual enough that residents deserve a clear answer from council.
$281,249.03rise in the municipal tax levy in the 2026 budget (8.5%, worked out by us), against a 6.9% rise in the rate
The levy is the part of the budget that property taxes must pay. The budget's tax rate page says the 2026 rates reflect "a 6.9% increase in the municipal tax rate over 2025 rates". The corporate summary says the 2026 "Corporate Net Levy" is $3,580,025.13. The 2025 budget put the municipal tax levy at $3,298,776.10. The difference is $281,249.03, or 8.5 percent (worked out by us, treating the two lines as the same thing, which the budget does not say outright). The budget does not say why the levy rises faster than the rate.
Found by reading the town's own documents · 4 sources
$400,000road work in the 2026 budget to be offset by reserves
Transportation services are budgeted at $1,827,039 for 2026, against $1,434,911 in the 2025 budget, which is 127 percent. The reason is a bigger road surface treatment programme. The Township explains it: "We have begun to do a larger chunk of Surface Treatment once every three years, with the cost spread over the three years. This is year 3 and we have budgeted $600,000, with $400,000 to be offset by reserves to complete this work." The "Resurfacing & Patching" line goes from $230,000 to $645,000. The net levy for transportation stays at $1,418,539, against $1,418,911 for the 2025 budget. The Township held $5,642,596 in reserves and reserve funds at the end of 2025.
Found by reading the town's own documents · 3 sources
$6,616,951cash at the end of 2025, with a $274,187 capital lease at 6.24% outstanding
At the end of 2025 the Township held $6,616,951 in cash and owed $1,491,895 on bank loans. During 2025 it acquired automotive equipment costing $288,995 on a capital lease from CAT Financial at 6.24 percent, with a balance of $274,187 at year end. The budget says the Township pays itself back: a new plow truck was "received last spring" and "Reserve repayments start this year for the new truck and will continue over 5 years". The Township earned $139,043 of investment income in 2025, about 2 percent of its cash (worked out by us).
Found by reading the town's own documents · 5 sources
$501,097taxes receivable at the end of 2025, up from $305,559
Taxes receivable are property taxes billed but not yet paid. They were $501,097 at the end of 2025, up from $305,559, a rise of 64 percent. The unpaid tax itself went from $325,078 to $494,534. That is about 15 percent of the $3,299,864 the Township raised from taxes after school boards in 2025, against about 11 percent of $3,027,114 a year before (worked out by us). The allowance for taxes it may never collect stayed at $50,000. The statements do not say why more is owing.
Found by reading the town's own documents · 2 sources
Assiginack spent $285K on parks, arena and library in 2019 and $478K in 2024. Prices only went up about 18% in that time. Only 7 of 49 similar towns had faster growth here.
Found automatically from the town's financial reports · 3 sources
$(20,152)annual deficit in 2025, against a budgeted surplus of $724,563
The statements show total revenue of $5,607,630 (above the $5,470,614 budgeted) and total spending of $5,627,782 (against a budget of $4,746,051). The result is a deficit of $20,152, after a deficit of $191,620 in 2024. Net assets (what the Township owns in money terms less what it owes) fell by $397,546, to $3,059,197. The Township explains most of the gap: its budget leaves out amortization (the yearly cost of assets wearing out) and counts capital purchases as spending. Amortization was $778,576. Without it, spending was $4,849,206, which is $103,155 over the budget figure (worked out by us).
Found by reading the town's own documents · 3 sources
$74,000approximate yearly repayment for the removal of the Norisle, from the 2026 budget notes
The 2026 capital notes say: "Norisle Removal Repayments - The costs for the removal of the Norisle are to be repaid to the bank at a cost of approximately $74,000/year." Recreation capital spending in the 2026 budget is $400,249.33, against $386,649.33 for the 2025 budget. The notes also list loan repayments for the arena expansion "done a number of years ago" and say projects are still underway at the arena and fairgrounds under an ICIP grant. The pages we read do not give the total cost of the removal, the loan's end date, or which of the Township's bank loans it is.
Found by reading the town's own documents · 2 sources
$1,183,091revenue from the Province of Ontario in 2025, 21% of total revenue (worked out by us)
The Province of Ontario provided $1,183,091 of the Township's $5,607,630 revenue in 2025, which is 21 percent (worked out by us), up from $871,103 in 2024. The 2026 budget notes say the Ontario Municipal Partnership Fund allocation, printed as "Ontario Community Reinvestment Fund" in the budget table, rises by $86,500 over 2025, to $853,200. This is a general grant the Province sets each year.
Found by reading the town's own documents · 2 sources
Assiginack spent about $424 per home on garbage, dump and recycling in 2024. The typical similar town spent $274. Only 6 of 49 similar towns spent more.
Found automatically from the town's financial reports · 1 source
Each question in full
Needs an answerFound automatically from financial reports
Assiginack spent about $3,638 per home on long-term debt in 2024. The typical similar town spent $778. Only 4 of 49 similar towns spent more.
Why it matters
Spending more than neighbours is not wrong by itself. It might buy better service. But it is the first place to look for costs that could be lower, such as contracts that were not competitively bid.
It could be because…
Geography: more roads, more snow, a bigger area or a landfill of its own.
Accounting: some towns record the same cost in a different category.
A one-time cost in this year.
Questions you could ask
What makes this cost higher here than in similar towns?
When were the main contracts in this area last put out to competitive tender?
You can ask during the public part of a council meeting, by writing to the clerk, or by contacting your councillors. How to reach council.
Speak for Assiginack?Send us your answer and we will publish it with this question.
The evidence
Long-term debt per home: Assiginack $3,638; typical similar town $778; ranked 5th highest of 50.
$281,249.03rise in the municipal tax levy in the 2026 budget (8.5%, worked out by us), against a 6.9% rise in the rate
The levy is the part of the budget that property taxes must pay. The budget's tax rate page says the 2026 rates reflect "a 6.9% increase in the municipal tax rate over 2025 rates". The corporate summary says the 2026 "Corporate Net Levy" is $3,580,025.13. The 2025 budget put the municipal tax levy at $3,298,776.10. The difference is $281,249.03, or 8.5 percent (worked out by us, treating the two lines as the same thing, which the budget does not say outright). The budget does not say why the levy rises faster than the rate.
Why it matters
Residents will read the 6.9% as what a typical bill rises by. A levy that rises faster than the rate is not a mistake: new houses and buildings add to the base. But the page that explains the budget does not say so, and ratepayers who see a bigger total than the rate would suggest will want to know where the extra comes from.
It could be because…
The property assessment base may have grown. New homes, camps and buildings add taxes without anyone's rate going up. A 6.9% rate rise on a base that grew about 1.5% would give about 8.5% (worked out by us).
The two lines may not be like for like: the 2025 figure is a revenue line, the 2026 figure is what is left to raise after all other revenue. The 2025 actual levy was close to its budget, at $3,291,296.04 on the general revenue page.
Costs the Township does not set rose too: the notes put the land ambulance and social services share up 5% and 2%, and policing up by $30,123 over 2025.
Questions you could ask
How much of the 8.5% rise in the amount to be raised is new assessment, and how much is a rise on existing properties?
What will the 2026 municipal tax bill be on a typical house, compared with 2025?
You can ask during the public part of a council meeting, by writing to the clerk, or by contacting your councillors. How to reach council.
Speak for Assiginack?Send us your answer and we will publish it with this question.
The evidence
2026 Tax Rates: residential municipal 0.01790986, education 0.00153000, total 0.01943986. "*This reflects a 6.9% increase in the municipal tax rate over 2025 rates".
Corporate Budget 2026: "Corporate Net Levy" 2025 actual (116,549.96), 2026 budget 3,580,025.13. "Expenditures Total" 2026 7,215,413.04; "Revenues Total" 3,635,387.91. "General Revenue" net levy (878,200.00).
The Township of Assiginack 2026 Budget · Corporate Budget 2026, PDF page 3 (scanned image; read twice; 7,215,413.04 less 3,635,387.91 = 3,580,025.13, and the ten department net levies add to 3,580,025.13)
General Revenue Budget 2026: "Municipal Tax Levy" 2025 budget $3,298,776.10, 2025 actual $3,291,296.04, 2026 budget $25,000.00. "Ontario Community Reinvestment Fund" 766,700.00 and 853,200.00. "Total Revenue" 4,065,476.10 for 2025 budget and 878,200.00 for 2026. The notes say the section "Includes a provision for the Municipal Portion of any Supplemental Taxes that may be received throughout the year based on MPAC assessments".
The Township of Assiginack 2026 Budget · General Revenue Budget, PDF page 5; General Revenue notes, PDF page 4 (scanned images; read twice; 3,298,776.10 + 766,700.00 = 4,065,476.10 and 25,000.00 + 853,200.00 = 878,200.00)
Statement of operations, taxation after "Amounts raised on behalf of the school boards": budget 3,273,776, 2025 3,299,864 (2024 3,027,114).
$400,000road work in the 2026 budget to be offset by reserves
Transportation services are budgeted at $1,827,039 for 2026, against $1,434,911 in the 2025 budget, which is 127 percent. The reason is a bigger road surface treatment programme. The Township explains it: "We have begun to do a larger chunk of Surface Treatment once every three years, with the cost spread over the three years. This is year 3 and we have budgeted $600,000, with $400,000 to be offset by reserves to complete this work." The "Resurfacing & Patching" line goes from $230,000 to $645,000. The net levy for transportation stays at $1,418,539, against $1,418,911 for the 2025 budget. The Township held $5,642,596 in reserves and reserve funds at the end of 2025.
Why it matters
Using savings for a big job in the year it is done is what savings are for, and it keeps the tax bill steady. The question for residents is what happens in the next three-year cycle. If the reserve is drawn down each cycle and not refilled, the tax levy has to catch up later.
It could be because…
The Township says the cost of this programme is spread over three years, which suggests it sets money aside in the other two years. We did not find the yearly contribution in the pages we read.
The reserves and reserve funds of $5,642,596 are large compared with the $400,000.
The 2025 actual for resurfacing and patching was $262,327.95, a little above its $230,000 budget, so roadwork was already running over.
Questions you could ask
What did Council put into the roads reserve in each of the last three years, and what will it put in next?
How much will be left in the reserves used for roads after the 2026 programme?
You can ask during the public part of a council meeting, by writing to the clerk, or by contacting your councillors. How to reach council.
Speak for Assiginack?Send us your answer and we will publish it with this question.
The evidence
Public Works, Major Budget Changes from Previous Year: "We have begun to do a larger chunk of Surface Treatment once every three years, with the cost spread over the three years. This is year 3 and we have budgeted $600,000, with $400,000 to be offset by reserves to complete this work." The Township also notes: "The Public Works Department is responsible for the Summer and Winter Maintenance of over 100 km of road".
$6,616,951cash at the end of 2025, with a $274,187 capital lease at 6.24% outstanding
At the end of 2025 the Township held $6,616,951 in cash and owed $1,491,895 on bank loans. During 2025 it acquired automotive equipment costing $288,995 on a capital lease from CAT Financial at 6.24 percent, with a balance of $274,187 at year end. The budget says the Township pays itself back: a new plow truck was "received last spring" and "Reserve repayments start this year for the new truck and will continue over 5 years". The Township earned $139,043 of investment income in 2025, about 2 percent of its cash (worked out by us).
Why it matters
Borrowing at 6.24 percent while savings earn about 2 percent costs money. There can be good reasons, such as keeping cash for the large reserves it owes itself and for grant money it must hold. Residents may want to know the Township's rule for when it borrows and when it pays cash.
It could be because…
Most of the cash is spoken for: $5,642,596 in reserves and reserve funds, $695,784 of deferred revenue and $431,053 of Canada Community Building Fund money are all earmarked (worked out by us: $6,769,433 in total, more than the cash).
The Township may prefer to keep a cash cushion for water and sewer works and winter bills, and to repay itself over 5 years instead.
The lease has a purchase option of $1 and may be arranged through the equipment dealer on terms the Township judged simple.
Questions you could ask
Why was the $288,995 of equipment leased at 6.24% instead of bought with cash from reserves?
What is Council's rule on when to borrow, and when to use its own money?
You can ask during the public part of a council meeting, by writing to the clerk, or by contacting your councillors. How to reach council.
Speak for Assiginack?Send us your answer and we will publish it with this question.
Note 5, Capital lease obligation: CAT financial, "blended monthly instalments of $4,797 including interest at 6.24% per annum", maturing September 2031 "with a purchase option price of $1". Total future minimum lease payments 274,187. Statement of cash flows: "During the year the Township acquired automotive equipment with a cost of $288,995 financed by way of capital lease obligation."
Note 4, Long-term debt: four BMO loans of 410,917, 228,275, 193,878 and 655,172 plus a provincial tile drainage loan of 3,653, total 1,491,895.. The 655,172 loan is "at 4.29% per annum", the provincial loan is at 6.0%, and the other three BMO loans are at "the bank's prime rate".
2026 Capital Budget Overview, Transportation Services: "New Plow Truck - A new plow truck received last spring. Reserve repayments start this year for the new truck and will continue over 5 years." "Red Lodge Road - Reserve Repayments Year 1 Of 6 for work done".
$501,097taxes receivable at the end of 2025, up from $305,559
Taxes receivable are property taxes billed but not yet paid. They were $501,097 at the end of 2025, up from $305,559, a rise of 64 percent. The unpaid tax itself went from $325,078 to $494,534. That is about 15 percent of the $3,299,864 the Township raised from taxes after school boards in 2025, against about 11 percent of $3,027,114 a year before (worked out by us). The allowance for taxes it may never collect stayed at $50,000. The statements do not say why more is owing.
Why it matters
Taxes that are not paid cannot be spent, and the Township still pays its bills to the school boards, the district boards and the bank. When arrears grow, either owners are in difficulty or the Township's collection has slowed. Both are worth knowing before more of the cost is put on those who do pay.
It could be because…
A rise can come from timing, such as a final bill sent late in the year, or from a few large owners who pay in January.
Interest owing on late taxes rose from $30,481 to $56,563, which may be collected along with the arrears.
The Township collected $69,078 in penalties and interest in 2025, close to its budget of $70,000, which suggests normal billing.
Questions you could ask
What explains the rise in taxes owing at the end of 2025, and how much had been paid by October 2026?
Is the $50,000 allowance for taxes that may not be collected still enough?
You can ask during the public part of a council meeting, by writing to the clerk, or by contacting your councillors. How to reach council.
Speak for Assiginack?Send us your answer and we will publish it with this question.
The evidence
Note 2, Taxes receivable: "Taxes receivable" 494,534 (2024 325,078); "Interest receivable on outstanding tax balances" 56,563 (2024 30,481); "Allowance for uncollectible taxes receivable" (50,000) (2024 (50,000)); total 501,097 (2024 305,559).
Statement of cash flows: "Taxes receivable" (195,538) (2024 81,271). Statement of operations: "Penalties and interest charges" budget 70,000, 2025 69,078; taxation after school boards 3,299,864.
Assiginack spent $285K on parks, arena and library in 2019 and $478K in 2024. Prices only went up about 18% in that time. Only 7 of 49 similar towns had faster growth here.
Why did the cost of parks, arena and library grow 67% in 5 years?
Parks, arena and library
Prices (inflation)
+0%+100%+200%+300%
+67%
201920202021202220232024
Show as a table
Year
Parks, arena and library
Prices (inflation)
2019
+0%
+0%
2020
+9%
+1%
2021
+9%
+4%
2022
+22%
+11%
2023
+298%
+16%
2024
+67%
+18%
Change since the first year shown. The grey line is how much prices rose overall, for comparison.
Why it matters
When one area grows much faster than prices, it is either doing more (which may be great) or paying more for the same thing. Residents deserve to know which.
It could be because…
The town added a service, a building or staff that residents asked for.
Costs were moved from another area, so the total did not really change.
Accounting rules changed how costs are sorted.
Large one-time costs, like a study, lawsuit or repair, landed in one year.
Questions you could ask
What did the extra $192K a year pay for?
Why did arena and buildings go from $127K to $253K?
Was each increase approved by council as a separate decision, or did it happen through the yearly budget?
You can ask during the public part of a council meeting, by writing to the clerk, or by contacting your councillors. How to reach council.
Speak for Assiginack?Send us your answer and we will publish it with this question.
$(20,152)annual deficit in 2025, against a budgeted surplus of $724,563
The statements show total revenue of $5,607,630 (above the $5,470,614 budgeted) and total spending of $5,627,782 (against a budget of $4,746,051). The result is a deficit of $20,152, after a deficit of $191,620 in 2024. Net assets (what the Township owns in money terms less what it owes) fell by $397,546, to $3,059,197. The Township explains most of the gap: its budget leaves out amortization (the yearly cost of assets wearing out) and counts capital purchases as spending. Amortization was $778,576. Without it, spending was $4,849,206, which is $103,155 over the budget figure (worked out by us).
Why it matters
A budget that cannot be compared line by line with the statements makes it hard to see where the Township overspent. The part that is real is the $103,155 (2.2 percent) over, and the Township spent $1,108,953 on new assets against a plan of $1,378,047, paid for out of cash and reserves.
It could be because…
Note 16 says the budget "expenses all tangible capital acquisitions and does not include a provision for amortization expense", and that it includes planned transfers to and from reserves. These differences explain most of the gap.
Revenue came in $137,016 above budget (worked out by us), led by fees and service charges, rents and other income, and investment income, so the year was better than planned on the revenue side.
A deficit in the statements is not a cash shortfall. Cash fell $413,116 mostly because $819,958 was spent on assets.
Questions you could ask
Would Council consider showing the budget and the statements on the same basis, so that residents can see where actual spending beat or missed the plan?
Which lines make up the $103,155 by which spending without amortization went over budget?
You can ask during the public part of a council meeting, by writing to the clerk, or by contacting your councillors. How to reach council.
Speak for Assiginack?Send us your answer and we will publish it with this question.
Statement of changes in net assets: "Acquisition of tangible capital assets" budget (1,378,047), 2025 (1,108,953). "Amortization of tangible capital assets" 2025 778,576 (2024 716,912). "Change in net assets" (397,546). "Net Assets, end of year" 3,059,197 (2024 3,456,743).
Note 16, Budget: "The budget adopted by Council was not prepared on a basis consistent with that used to report actual results". "the budget expenses all tangible capital acquisitions and does not include a provision for amortization expense". Budget surplus approved by Council "-"; add budgeted tangible capital asset acquisitions 1,378,047; add budgeted repayment of long-term debt 202,675; less budgeted transfers from reserves (856,159); budget surplus per consolidated financial statements 724,563.
$74,000approximate yearly repayment for the removal of the Norisle, from the 2026 budget notes
The 2026 capital notes say: "Norisle Removal Repayments - The costs for the removal of the Norisle are to be repaid to the bank at a cost of approximately $74,000/year." Recreation capital spending in the 2026 budget is $400,249.33, against $386,649.33 for the 2025 budget. The notes also list loan repayments for the arena expansion "done a number of years ago" and say projects are still underway at the arena and fairgrounds under an ICIP grant. The pages we read do not give the total cost of the removal, the loan's end date, or which of the Township's bank loans it is.
Why it matters
A repayment of about $74,000 a year is a fixed bill for the Township's taxpayers. A year-by-year plan, with a total and an end date, lets residents see what is left to pay.
It could be because…
The removal may have been required for safety or other reasons the notes do not give.
Part of the cost may be covered by grants or other bodies; the notes talk only about the amount repaid to the bank.
The bank loan is one of those listed in the audited statements, which print the balance and end date of each.
Questions you could ask
What was the total cost of removing the Norisle, how is it being paid, and when is the last payment?
Which of the Township's bank loans is the Norisle loan?
You can ask during the public part of a council meeting, by writing to the clerk, or by contacting your councillors. How to reach council.
Speak for Assiginack?Send us your answer and we will publish it with this question.
The evidence
2026 Capital Budget Overview, Recreation Services: "Norisle Removal Repayments - The costs for the removal of the Norisle are to be repaid to the bank at a cost of approximately $74,000/year." "Arena Project - This includes loan repayments for our portion of the arena expansion done a number of years ago". "There are still projects underway at the arena and fairgrounds under an ICIP grant".
Corporate Capital Budget 2026: "Recreation and Cultural Service" expenditures 2025 budget 386,649.33, 2025 actual 63,263.17, 2026 budget 400,249.33; revenues 330,649.33, 34,058.42 and 330,649.33; net levy 56,000.00, 29,204.75 and 69,600.00. Total capital expenditures 1,233,755.65 for 2026.
The Township of Assiginack 2026 Budget · Corporate Capital Budget 2026, PDF page 32 (scanned image; read twice; the six expenditure lines add to 1,233,755.65)
$1,183,091revenue from the Province of Ontario in 2025, 21% of total revenue (worked out by us)
The Province of Ontario provided $1,183,091 of the Township's $5,607,630 revenue in 2025, which is 21 percent (worked out by us), up from $871,103 in 2024. The 2026 budget notes say the Ontario Municipal Partnership Fund allocation, printed as "Ontario Community Reinvestment Fund" in the budget table, rises by $86,500 over 2025, to $853,200. This is a general grant the Province sets each year.
Why it matters
A township that gets a fifth of its revenue from the Province is exposed to that Province's yearly decisions. Residents may want to know the Township's plan if the grant falls in a later year.
It could be because…
Some of the Province's money is one-time capital grants, which came and went with named projects. The statements do not split the line.
The Province's general grant is designed to help small northern and rural townships, and it can be counted on in most years.
Questions you could ask
How much of the $1,183,091 from the Province in 2025 was a general grant, and how much was one-time money for named projects?
What would the 2026 tax rate need to be if the general grant did not rise?
You can ask during the public part of a council meeting, by writing to the clerk, or by contacting your councillors. How to reach council.
Speak for Assiginack?Send us your answer and we will publish it with this question.
The evidence
Statement of operations, Government Transfers: "Province of Ontario" budget 1,143,830, 2025 1,183,091 (2024 871,103). "Government of Canada" 174,642, 98,778 and 62,902. Total government transfers 1,318,472, 1,302,242 and 934,005. "Total Revenues" 5,607,630.
General Revenue notes: "Ontario Municipal Partnership Fund - as allocated by the Province of Ontario- this years allocation has increased by $86,500 over the 2025 allocation". General Revenue Budget: "Ontario Community Reinvestment Fund" 2025 budget 766,700.00, 2026 budget 853,200.00.
The Township of Assiginack 2026 Budget · General Revenue notes, PDF page 4; General Revenue Budget, PDF page 5 (scanned images; read twice; 853,200.00 - 766,700.00 = 86,500.00)
Assiginack spent about $424 per home on garbage, dump and recycling in 2024. The typical similar town spent $274. Only 6 of 49 similar towns spent more.
Why it matters
Spending more than neighbours is not wrong by itself. It might buy better service. But it is the first place to look for costs that could be lower, such as contracts that were not competitively bid.
It could be because…
Geography: more roads, more snow, a bigger area or a landfill of its own.
Accounting: some towns record the same cost in a different category.
A one-time cost in this year.
Questions you could ask
What makes this cost higher here than in similar towns?
When were the main contracts in this area last put out to competitive tender?
You can ask during the public part of a council meeting, by writing to the clerk, or by contacting your councillors. How to reach council.
Speak for Assiginack?Send us your answer and we will publish it with this question.
The evidence
Garbage, dump and recycling per home: Assiginack $424; typical similar town $274; ranked 7th highest of 50.
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