Peak-Performing Credit Unions During 1st Quarter, 2006

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On this page are featured credit unions that have been identified, according to one set of criteria, as delivering superior value to their members.

Determining how a credit union stands relative to its peers is a complex issue. Callahan & Associates, Washington, D.C., has attempted to do just that, however, with what it calls its Return to the Member ranking system.

According to Callahan's, Return to the Member is designed to help a credit union analyze its member service levels based on the information reported in 5300 Call Reports.

Callahan's describes it as an "economic profile based on the value of your credit union's products and services.

"This includes a computation of member service levels, stressing the importance of striving for full member usage of a credit union's products."

The core components of Return to the Member are three functions: lending, savings, and member usage.

The first component is called Return to the Savers, which measures how well a credit union is doing in providing deposit services back to members.

The second component is called Return to the Borrowers, which takes into consideration that credit unions were created to provide credit to members at a reasonable cost.

And the final component is member service usage, which measures how efficiently a credit union provides and promotes services to its members.

Callahan & Associates noted that the leaders in the latter category are credit unions with a high number of core account relationships with their members.

A value between one and 100 is assigned to each credit union depending on the performance in the three core areas of Return of the Member.

For the past seven years The Credit Union Journal has featured the high-performers in the Return to the Member rankings as part of its Success Stories features, which examine why and how the credit union's management has been able to drive the credit union's success. The articles are part of an editorial focus by The Journal on Best Practices, or analysis of pragmatic ideas and practices that other credit unions can emulate.

For readers interested in more information from Callahan & Associates, contact the firm at 800-446-7453.

Readers can offer their thoughts to The Credit Union Journal by Writing P.O. Box 4387, West Palm Beach, FL 33402, by calling 888-832-2929, or by e-mailing Lisa Freeman at lfreeman cujournal.com. We look forward to hearing from you.

ASSETS $50 TO $100 MILLION

Total Return To Member

Rank Credit Union, State Percentile

1 Missouri Electric Cooperatives, MO 100.00

2 P. C. M. Employees, WI 99.87

3 CD, CA 99.74

4 San Diego Firefighters, CA 99.61

5 Roanoke Postal Employees, VA 99.49

6 1st Community, WI 99.36

7 Montrose, CO 99.23

8 North Shore, MN 99.10

9 Tuscaloosa V A, AL 98.97

10 Appalachian Community, TN 98.84

11 North Star Community, ND 98.71

12 Anoka Hennepin, MN 98.59

13 Mennonite Financial, PA 98.46

14 Citizens Community, ND 98.33

15 SRI, CA 98.20

16 Weber State, UT 98.07

17 Dane County, WI 97.94

18 Fire Police City County, IN 97.81

19 Advantage, WI 97.69

20 Beehive, ID 97.56

Return To Saver

Rank Credit Union, State Percentile

1 Countryside, NY 100.0

2 Northwestern Mutual, WI 99.9

3 Missouri Electric Cooperatives, MO 99.7

4 P. C. M. Employees, WI 99.6

5 Aliant, NE 99.5

6 San Diego Firefighters, CA 99.4

7 Central, NY 99.2

8 Dekalb Financial, IN 99.1

9 Montrose, CO 99.0

10 Tuscaloosa V A, AL 98.8

11 Tacoma Longshoremen, WA 98.7

12 Franklin County Teachers, PA 98.6

13 Citizens Community, ND 98.5

14 CD, CA 98.3

15 California State & Fed Empl #2, CA 98.2

16 Co-op Credit Union Of Montevid, MN 98.1

17 Schuylkill County School Emplo, PA 97.9

18 Montauk, NY 97.8

19 Bay Ridge, NY 97.7

20 Cleveland Selfreliance, OH 97.6

Return To Borrower

Rank Credit Union, State Percentile

1 SRI, CA 100.0

2 P. C. M. Employees, WI 99.9

3 St. Paul, MN 99.7

4 Countryside, NY 99.6

5 Department Of The Interior, DC 99.5

6 Lakeview, WI 99.4

7 Tuscaloosa V A, AL 99.2

8 Advantage, WI 99.1

9 CD, CA 99.0

10 Roanoke Postal Employees, VA 98.8

11 Big Valley, CA 98.7

12 Parker Community, WI 98.6

13 Harbor, WI 98.5

14 One Community, WV 98.3

15 Missouri Electric Cooperatives, MO 98.2

16 Tampa Postal District, FL 98.1

17 Minnesota Power Employees, MN 97.9

18 TECU, KS 97.8

19 Scenic Falls, ID 97.7

20 St. Joseph, MA 97.6

Member Service Usage

Rank Credit Union, State Percentile

1 Miami Firefighters, FL 100.0

2 Roanoke Postal Employees, VA 99.9

3 Bowater Carolina, SC 99.7

4 San Diego Firefighters, CA 99.6

5 Cornerstone, PA 99.5

6 Missouri Electric Cooperatives, MO 99.4

7 North Star Community, ND 99.2

8 TruChoice, ME 99.1

9 Duluth Teachers, MN 99.0

10 ISU, IL 98.8

11 Torrance, CA 98.7

12 Dane County, WI 98.6

13 Jm Associates, FL 98.5

14 St. Cloud, MN 98.3

15 Shrewsbury M E, MA 98.2

16 Otis, ME 98.1

17 Access, NY 97.9

18 Dannemora, NY 97.8

19 Beehive, ID 97.7

20 Norstate, ME 97.6

ASSETS $100 TO $250 MILLION

Total Return To Member

Rank Credit Union, State Percentile

1 Popa, CA 100.00

2 Burbank City, CA 99.85

3 Westby Co-op, WI 99.70

4 Boston Firefighters, MA 99.55

5 Pittsford, NY 99.40

6 Prospera, WI 99.25

7 Co-op, WI 99.10

8 Connexus, WI 98.94

9 Deer Valley, AZ 98.79

10 Southpoint, MN 98.64

11 Potlatch No 1, ID 98.49

12 PAHO-WHO, DC 98.34

13 Toyota, CA 98.19

14 Salt Lake City, UT 98.04

15 Idahy, ID 97.89

16 Massachusetts Institute Of Tec, MA 97.74

17 Nebraska Energy, NE 97.59

18 Rocky Mountain Law Enforcement, CO 97.44

19 Frankenmuth, MI 97.29

20 First U.S. Community, CA 97.13

Return To Saver

Rank Credit Union, State Percentile

1 Industrial, MA 100.0

2 Luso, MA 99.8

3 Co-op, WI 99.7

4 St. Paul Croatian, OH 99.5

5 Ukrainian Selfreliance, PA 99.4

6 Cascade, WA 99.2

7 State Farm West Central, NE 99.1

8 State Farm Northeast, NY 98.9

9 Self-Help, NC 98.8

10 State Farm Central, MO 98.6

11 Popa, CA 98.5

12 State Farm Texas, TX 98.3

13 Burbank City, CA 98.2

14 Suma Yonkers, NY 98.0

15 State Farm Southern, GA 97.9

16 State Farm Pacific Northwest, WA 97.7

17 Knoxville Teachers, TN 97.6

18 State Farm Mid-Atlantic, MD 97.4

19 Oceanside Christopher, NY 97.3

20 Focus, FL 97.1

Return To Borrower

Rank Credit Union, State Percentile

1 Connexus, WI 100.0

2 Massachusetts Institute Of Tec, MA 99.8

3 Cumorah, NV 99.7

4 Meadows, IL 99.5

5 Community, WI 99.4

6 Kern, CA 99.2

7 Prospera, WI 99.1

8 Bay Gulf, FL 98.9

9 San Joaquin Power Employees, CA 98.8

10 Community First, CA 98.6

11 Mayo Employees, MN 98.5

12 Cloverbelt, WI 98.3

13 Members Choice, TX 98.2

14 High Desert, CA 98.0

15 Sarasota Coastal, FL 97.9

16 Heritage Community, CA 97.7

17 Co-op, WI 97.6

18 Transwest, UT 97.4

19 Infinity, ME 97.3

20 Red Rocks, CO 97.1

Member Service Usage

Rank Credit Union, State Percentile

1 Popa, CA 100.0

2 Crane, IN 99.8

3 Burbank City, CA 99.7

4 Frankenmuth, MI 99.5

5 Richfield-Bloomington, MN 99.4

6 O Bee, WA 99.2

7 Pacific NW, OR 99.1

8 Westby Co-op, WI 98.9

9 River Valley, OH 98.8

10 Boston Firefighters, MA 98.6

11 Houston Texas Fire Fighters, TX 98.5

12 Dover-Phila, OH 98.3

13 Sunstate, FL 98.2

14 Edwards, CA 98.0

15 USU Community, UT 97.9

16 Rocky Mountain Law Enforcement, CO 97.7

17 Town & Country, ME 97.6

18 O.A.S. Staff, DC 97.4

19 First Source, NY 97.3

20 Service 1st, PA 97.1

ASSETS $250 MILLION TO $1 BILLION

Total Return To Member

Rank Credit Union, State Percentile

1 Los Angeles Firemen's, CA 100.00

2 Dupont Community, VA 99.78

3 Advantis, OR 99.56

4 Sharonview, NC 99.35

5 California Coast, CA 99.13

6 Sesloc, CA 98.91

7 Direct, MA 98.69

8 University Of Iowa Community, IA 98.47

9 Covantage, WI 98.26

10 Oregon Community, OR 98.04

11 Unitus Community, OR 97.82

12 Greylock, MA 97.60

13 Heritage, IN 97.39

14 San Francisco Fire, CA 97.17

15 Community First, WI 96.95

16 Clark County, NV 96.73

17 Michigan Schools And Governmen, MI 96.51

18 Summit, WI 96.30

19 Idaho Central, ID 96.08

20 Altra, WI 95.86

Return To Saver

Rank Credit Union, State Percentile

1 Los Angeles Firemen's, CA 100.0

2 Eli Lilly, IN 99.8

3 Evansville Teachers, IN 99.6

4 Nationwide, OH 99.3

5 F & A, CA 99.1

6 State Farm Great Lakes, IL 98.9

7 Covantage, WI 98.7

8 Direct, MA 98.5

9 Whitefish, MT 98.3

10 State Farm California, CA 98.0

11 Black Hills, SD 97.8

12 Community First, WI 97.6

13 Summit, WI 97.4

14 Dupont Community, VA 97.2

15 Sharonview, NC 96.9

16 Self Reliance NY, NY 96.7

17 Westerra, CO 96.5

18 New Horizons Community, CO 96.3

19 CBC, CA 96.1

20 Melrose, NY 95.9

Return To Borrower

Rank Credit Union, State Percentile

1 Direct, MA 100.0

2 Silver State Schools, NV 99.8

3 I-C, MA 99.6

4 Leominster, MA 99.3

5 Christian Community, CA 99.1

6 California Coast, CA 98.9

7 Greater Texas, TX 98.7

8 Postal, MN 98.5

9 Sandia Area, NM 98.3

10 Advantis, OR 98.0

11 Tampa Bay, FL 97.8

12 Oregon First Community, OR 97.6

13 Sharonview, NC 97.4

14 University Of Iowa Community, IA 97.2

15 Unitus Community, OR 96.9

16 Dupont Community, VA 96.7

17 New England, VT 96.5

18 Idaho Central, ID 96.3

19 Rockland, MA 96.1

20 New Horizons Community, CO 95.9

Member Service Usage

Rank Credit Union, State Percentile

1 Suffolk, NY 100.0

2 Los Angeles Firemen's, CA 99.8

3 OSU, OR 99.6

4 U Of C, CO 99.3

5 Honda, CA 99.1

6 Oregon Community, OR 98.9

7 Fresno County, CA 98.7

8 Dupont Community, VA 98.5

9 Sandia Laboratory, NM 98.3

10 Black Hills, SD 98.0

11 Public Service, CO 97.8

12 Advantis, OR 97.6

13 State Department, VA 97.4

14 Covantage, WI 97.2

15 Merced School Employees, CA 96.9

16 Whatcom Educational, WA 96.7

17 University Of Wisconsin, WI 96.5

18 Quorum, NY 96.3

19 Hughes Federal, AZ 96.1

20 Northeast, NH 95.9

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