WASHINGTON - Determining how a credit union stands relative to its peers in terms of returning value to its members is a complex issue. Callahan & Associates, Washington, has attempted to do just that with its Return of the Member ranking system.
Callahan’s said the system is designed to help a credit union analyze its member service levels based on the information reported in 5300 Call Reports and provides an “economic profile based on the value of your CU’s products and services.”
The core components of Return to the Member are: lending, savings, and member service usage. Callahan & Associates noted that the leaders in the latter category are credit unions with a high number of core account relationships with their members.
Credit Union Journal is featuring the high-performers in the Return to the Member rankings as part of its “Leader Board” series, which examines why and how the credit union’s management has been able to drive the CU’s success.
For more on Return of the Member, visit the Callahan’s website at www.creditunions.com.
ASSETS $20 MILLION TO $50 MILLION
Rank State Credit Union Total ROM Return To Savers Return To Borrowers Member Service Usage Total Assets
1 WA Spokane Law Enforcement 100.00 98.54 98.91 99.71 $31,785,906
2 CT Ukrainian Selfreliance New England 99.93 95.48 99.93 92.70 $34,172,888
3 TX Domino 99.85 94.32 96.94 97.74 $40,543,513
4 MN Dawson Co-op 99.78 99.85 94.32 89.64 $49,744,099
5 WI Governmental Employees 99.71 96.87 99.78 86.50 $34,122,488
6 ND Hometown 99.64 100.00 96.51 85.26 $35,772,613
7 VT Credit Union of Vermont 99.56 91.19 97.45 97.23 $20,733,806
8 LA Wymar 99.49 92.21 97.82 92.04 $44,002,395
9 WI Arcadia 99.42 99.78 86.75 94.89 $46,667,536
10 MA Tewksbury 99.34 89.22 95.12 99.56 $40,308,979
ASSETS $50 MILLION TO $100 MILLION
Rank State Credit Union Total ROM Return To Savers Return To Borrowers Member Service Usage Total Assets
1 MO Conservation Employees 100.00 97.39 100.00 100.00 $56,943,016
2 MO Missouri Electric Cooperatives 99.87 99.87 93.46 99.34 $74,596,114
3 UT Mountain High 99.74 96.73 98.95 95.15 $59,241,130
4 WI Winnebago Community 99.61 98.95 91.75 97.90 $50,079,971
5 ME Otis 99.48 92.16 98.04 98.69 $93,113,678
6 MN North Shore 99.35 96.47 99.74 81.65 $97,993,482
7 CA CD 99.22 91.11 93.72 97.64 $97,208,327
8 OR NW Preferred 99.09 97.78 86.65 95.41 $97,017,361
9 UT Weber State 98.96 85.75 99.87 94.10 $78,403,589
10 CO Montrose 98.83 99.08 84.42 93.58 $61,835,272
ASSETS $100 MILLION TO $250 MILLION
Rank State Credit Union Total ROM Return To Savers Return To Borrowers Member Service Usage Total Assets
1 WI P. C. M. Employees 100.00 98.63 99.39 96.02 $110,655,370
2 WI Westby Co-op 99.85 95.11 96.63 99.24 $209,470,746
3 CA Popa 99.69 88.85 96.94 100.00 $225,180,483
4 AL ACIPCO 99.54 96.49 97.70 78.75 $111,437,002
5 MN Southpoint 99.39 99.24 85.60 89.91 $171,331,776
6 WI Co-op 99.24 98.17 92.34 81.35 $165,387,693
7 MA Boston Firefighters 99.08 80.46 99.85 99.08 $133,352,741
8 TN Appalachian Community 98.93 98.93 81.93 90.21 $107,404,004
9 VA Roanoke Postal Employees 98.78 94.66 80.09 99.54 $105,111,058
10 MD Library Of Congress 98.63 90.38 92.80 88.53 $149,487,377
ASSETS 25 MILLION TO $1 BILLION
Rank State Credit Union Total ROM Return To Savers Return To Borrowers Member Service Usage Total Assets
1 CA San Francisco Fire 100.00 94.66 99.57 96.78 $450,256,819
2 MA Greylock 99.78 96.79 94.64 97.00 $985,497,545
3 CA Los Angeles Firemen's 99.57 91.67 97.21 99.79 $780,984,989
4 OR Advantis 99.35 88.03 99.79 98.50 $497,921,797
5 FL Tyndall 99.14 96.58 90.34 92.70 $844,659,707
6 WI Community First 98.92 97.01 94.21 82.62 $947,213,372
7 WI Covantage 98.71 95.94 80.69 97.64 $599,131,359
8 MI Michigan Schools and Government 98.49 99.79 84.98 84.55 $839,762,391
9 IA University Of Iowa Community 98.28 81.41 97.64 95.28 $619,195,924
10 MA Hanscom 98.06 88.89 88.20 94.21 $600,125,511
ASSETS MORE THAN $1 BILLION
Rank State Credit Union Total ROM Return To Savers Return To Borrowers Member Service Usage Total Assets
1 VA Pentagon 100.00 97.54 100.00 68.50 $11,238,961,528
2 CA Orange County Teachers 99.21 94.26 77.17 100.00 $7,491,718,496
3 WA BECU 98.41 80.33 95.28 96.06 $8,124,002,838
4 DC Bank-Fund Staff 97.62 86.07 91.34 85.83 $2,373,898,185
5 FL Suncoast Schools 96.83 89.34 80.31 94.49 $5,921,778,384
6 OR OnPoint Community 96.03 81.15 90.55 86.61 $2,540,788,548
7 MA Digital 95.24 70.49 92.91 98.43 $3,900,046,788
8 CA Lockheed 94.44 93.44 92.13 59.06 $2,574,484,844
9 TN Eastman 93.65 87.70 66.93 91.34 $1,932,884,565
10 CA San Diego County 92.86 95.08 84.25 48.82 $4,051,140,594
