Peak-Performing Credit Unions During 4th Quarter, 2005

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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 100.0

2 P.C.M. Employees, WI 99.9

3 San Diego Firefighters, CA 99.7

4 1st Community, WI 99.6

5 Roanoke Postal Employees, VA 99.5

6 North Shore, MN 99.4

7 CD, CA 99.2

8 Montrose, CO 99.1

9 Dannemora, NY 99.0

10 Dane County, WI 98.8

11 United, MO 98.7

12 Otis, ME 98.6

13 Appalachian Community, TN 98.4

14 Ishpeming Community, MI 98.3

15 Fire Police City County, IN 98.2

16 Riegelwood, NC 98.1

17 St. Francis X, MI 97.9

18 Park View, VA 97.8

19 Anoka Hennepin, MN 97.7

20 Mennonite Financial, PA 97.5

Return To Saver

Rank Credit Union, State Percentile

1 Northwestern Mutual, WI 100.0

2 Countryside, NY 99.9

3 Musicians Interguild, CA 99.7

4 North Shore, MN 99.6

5 Central, NY 99.5

6 Aliant, NE 99.4

7 Missouri Electric Cooperatives, MO 99.2

8 Tacoma Longshoremen, WA 99.1

9 San Diego Firefighters, CA 99.0

10 Montauk, NY 98.8

11 California State & Fed Empl #2, CA 98.7

12 Dekalb Financial, IN 98.6

13 Franklin County Teachers, PA 98.4

14 Chabot, CA 98.3

15 Otis, ME 98.2

16 Oregon Employees, OR 98.1

17 P.C.M. Employees, WI 97.9

18 GTKY, KY 97.8

19 Clinchfield, TN 97.7

20 Schuylkill County School Emplo, PA 97.5

Return To Borrower

Rank Credit Union, State Percentile

1 St. Paul, MN 100.0

2 Missouri Electric Cooperatives, MO 99.9

3 CD, CA 99.7

4 P.C.M. Employees, WI 99.6

5 Department Of The Interior, DC 99.5

6 TECU, KS 99.4

7 North Shore, MN 99.2

8 Central Macomb Community, MI 99.1

9 Park View, VA 99.0

10 Beehive, ID 98.8

11 Tampa Postal District, FL 98.7

12 Appletree, WI 98.6

13 Anoka Hennepin, MN 98.4

14 Countryside, NY 98.3

15 Home Town, MN 98.2

16 Indiana State University, IN 98.1

17 St. Francis X, MI 97.9

18 1st Community, WI 97.8

19 Park Side, MT 97.7

20 One Community, WV 97.5

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 TruChoice, ME 99.4

7 North Star Community, ND 99.2

8 California Pacific, CA 99.1

9 Missouri Electric Cooperatives, MO 99.0

10 School Employees Lorain County, OH 98.8

11 USU Community, UT 98.7

12 Dannemora, NY 98.6

13 St. Cloud, MN 98.4

14 Duluth Teachers, MN 98.3

15 ISU, IL 98.2

16 Access, NY 98.1

17 Dane County, WI 97.9

18 Torrance, CA 97.8

19 Raritan Bay, NJ 97.7

20 Great Falls Teachers, MT 97.5

ASSETS $100 TO $250 MILLION

Total Return To Member

Rank Credit Union, State Percentile

1 Burbank City, CA 100.0

2 Popa, CA 99.9

3 Boston Firefighters, MA 99.7

4 Westby Co-op, WI 99.6

5 Pittsford, NY 99.4

6 Co-op, WI 99.3

7 ACIPCO, AL 99.1

8 Connexus, WI 99.0

9 Toyota, CA 98.8

10 Prospera, WI 98.6

11 USF, FL 98.5

12 York County, ME 98.3

13 BMI, OH 98.2

14 Dakotaland, SD 98.0

15 Deer Valley, AZ 97.9

16 PAHO-WHO, DC 97.7

17 Town And Country, ND 97.6

18 Southpoint, MN 97.4

19 Town & Country, ME 97.3

20 First U.S. Community, CA 97.1

Return To Saver

Rank Credit Union, State Percentile

1 Industrial, MA 100.0

2 Luso, MA 99.8

3 State Farm Pacific Northwest, WA 99.7

4 Co-op, WI 99.5

5 Popa, CA 99.4

6 St. Paul Croatian, OH 99.2

7 Ukrainian Selfreliance, PA 99.1

8 State Farm Northeast, NY 98.9

9 State Farm Great Western, AZ 98.8

10 State Farm West Central, NE 98.6

11 State Farm Texas, TX 98.5

12 Cascade, WA 98.3

13 State Farm Central, MO 98.2

14 State Farm Southern, GA 98.0

15 Burbank City, CA 97.9

16 State Farm Mid-Atlantic, MD 97.7

17 Knoxville Teachers, TN 97.6

18 Suma Yonkers, NY 97.4

19 Marshall Community, MI 97.3

20 Long Beach Firemen's, CA 97.1

Return To Borrower

Rank Credit Union, State Percentile

1 Prospera, WI 100.0

2 Meadows, IL 99.8

3 Community, WI 99.7

4 Mayo Employees, MN 99.5

5 Cumorah, NV 99.4

6 Red Rocks, CO 99.2

7 Connexus, WI 99.1

8 Kern, CA 98.9

9 Massachusetts Institute Of Tec, MA 98.8

10 Midwest Financial, MI 98.6

11 Members Choice, TX 98.5

12 Guardian, WI 98.3

13 Bay Gulf, FL 98.2

14 General Mills, MN 98.0

15 Transwest, UT 97.9

16 Sandia Area, NM 97.7

17 Greater Texas, TX 97.6

18 Cloverbelt, WI 97.4

19 Heartland, IL 97.3

20 Community Choice, IA 97.1

Member Service Usage

Rank Credit Union, State Percentile

1 Popa, CA 100.0

2 Burbank City, CA 99.8

3 Crane, IN 99.7

4 Richfield-Bloomington, MN 99.5

5 O Bee, WA 99.4

6 Frankenmuth, MI 99.2

7 Boston Firefighters, MA 99.1

8 Westby Co-op, WI 98.9

9 Pacific NW, OR 98.8

10 Edwards, CA 98.6

11 Houston Texas Fire Fighters, TX 98.5

12 Service 1st, PA 98.3

13 River Valley, OH 98.2

14 Dover-Phila, OH 98.0

15 Seacomm, NY 97.9

16 NechesHuntsman, TX 97.7

17 O.A.S. Staff, DC 97.6

18 Town & Country, ME 97.4

19 Glendale Area Schools, CA 97.3

20 Sunstate, FL 97.1

ASSETS $250 MILLION TO $1 BILLION

Total Return To Member

Rank Credit Union, State Percentile

1 Los Angeles Firemen's, CA 100.0

2 Dupont Community, VA 99.8

3 Community First, WI 99.6

4 Sharonview, NC 99.3

5 California Coast, CA 99.1

6 Clark County, NV 98.9

7 Direct, MA 98.7

8 Oregon Community, OR 98.4

9 Sesloc, CA 98.2

10 University Of Iowa Community, IA 98.0

11 Greylock, MA 97.8

12 Unitus Community, OR 97.5

13 Summit, WI 97.3

14 Heritage, IN 97.1

15 Covantage, WI 96.9

16 Texas Dow Employees, TX 96.6

17 Altra, WI 96.4

18 Quorum, NY 96.2

19 Advantis, OR 96.0

20 Idaho Central, ID 95.7

Return To Saver

Rank Credit Union, State Percentile

1 Clark County, NV 100.0

2 Los Angeles Firemen's, CA 99.8

3 Evansville Teachers, IN 99.6

4 State Farm Great Lakes, IL 99.3

5 Black Hills, SD 99.1

6 F & A, CA 98.9

7 State Farm California, CA 98.7

8 Nationwide, OH 98.4

9 Eli Lilly, IN 98.2

10 Whitefish, MT 98.0

11 Covantage, WI 97.8

12 Self Reliance NY, NY 97.5

13 Caltech Employees, CA 97.3

14 Melrose, NY 97.1

15 Direct, MA 96.9

16 Westerra, CO 96.6

17 Greylock, MA 96.4

18 Indiana Members, IN 96.2

19 Michigan Schools And Government, MI 96.0

20 Sharonview, NC 95.7

Return To Borrower

Rank Credit Union, State Percentile

1 Direct, MA 100.0

2 California Coast, CA 99.8

3 USC, CA 99.6

4 Silver State Schools, NV 99.3

5 Postal, MN 99.1

6 University Of Wisconsin, WI 98.9

7 Texas Dow Employees, TX 98.7

8 I-C, MA 98.4

9 Purdue Employees, IN 98.2

10 Leominster, MA 98.0

11 Oregon Community, OR 97.8

12 Oregon First Community, OR 97.5

13 Community First, WI 97.3

14 Christian Community, CA 97.1

15 Air Academy, CO 96.9

16 Unitus Community, OR 96.6

17 New England, VT 96.4

18 Dupont Community, VA 96.2

19 Great Wisconsin, WI 96.0

20 Altra, WI 95.7

Member Service Usage

Rank Credit Union, State Percentile

1 Los Angeles Firemen's, CA 100.0

2 Suffolk, NY 99.8

3 U Of C, CO 99.6

4 Honda, CA 99.3

5 OSU, OR 99.1

6 Dow Chemical Employees, MI 98.9

7 Oregon Community, OR 98.7

8 Fresno County, CA 98.4

9 Black Hills, SD 98.2

10 Sandia Laboratory, NM 98.0

11 Public Service, CO 97.8

12 Advantis, OR 97.5

13 State Department, VA 97.3

14 Merced School Employees, CA 97.1

15 University Of Wisconsin, WI 96.9

16 Quorum, NY 96.6

17 Advancial, TX 96.4

18 Hughes Federal, AZ 96.2

19 Clark County, NV 96.0

20 Covantage, WI 95.7

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