Small Credit Unions At 1st Quarter, 2006

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Determining how a credit union stands relative to its peers is a complex issue. Callahan & Associates, Washington, D.C., has attempted to do so with 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.

Typically, Callahan publishes these rankings for credit unions with more than $50 million in assets, but featured below are the top-ranked credit unions with fewer than $50 million in assets. It represents small credit unions that are top performers in lending, savings and member service usage, which demonstrates the importance of striving for full member usage of a credit union's products.

ASSETS LESS THAN $2 MILLION

Total Return To Member

Rank Credit Union, State Percentile

1 Quality Oil, NC 100.00

2 Des Moines Water Works, IA 99.93

3 Central Electric, MO 99.87

4 Wisconsin Heights, WI 99.80

5 Peoples Electric Power, UT 99.73

6 Waterloo Firemen's, IA 99.67

7 Carroll Childers, TX 99.60

8 Goodyear San Angelo, TX 99.53

9 Union Special Employees, IL 99.47

10 K.C.S.E., IA 99.40

11 ETS, IA 99.33

12 Northern States Montevideo Emp, MN 99.27

13 A.U.B. Employees, TN 99.20

14 Eagle Rock, IA 99.13

15 Police, WI 99.06

Return To Saver

Rank Credit Union, State Percentile

1 Pennzoil, TX 100.0

2 Northern States Montevideo Emp, MN 99.9

3 Lakewood Fire Fighters, OH 99.9

4 East Side Terminal, IL 99.8

5 Ukrainian Washington, VA 99.7

6 W-M Employees, AZ 99.7

7 Reco, IL 99.6

8 Choptank Electric Coop Employ, MD 99.5

9 Shaw University, NC 99.5

10 Quality Oil, NC 99.4

11 ETS, IA 99.3

12 Superior Postal Employees, WI 99.3

13 Projector, NY 99.2

14 Goodyear San Angelo, TX 99.1

15 Urbandale Municipal Employees, IA 99.1

Return To Borrower

Rank Credit Union, State Percentile

1 Trmc Employees, SC 100.0

2 Jefferson County Publ. Empl, ID 99.9

3 Abaco MD, MD 99.9

4 Assumption Beaumont, TX 99.8

5 Moon Lake Electric Employees, UT 99.7

6 Quantum, IL 99.7

7 Public Service Edwardspt Pl E, IN 99.6

8 Mcmillen Master, IL 99.5

9 Bramco Employees, KY 99.5

10 Tenn-am Water Co., TN 99.4

11 Northern Energy, MN 99.3

12 Goodyear San Angelo, TX 99.3

13 Peoples Electric Power, UT 99.2

14 Berrien Teachers, GA 99.1

15 Central Electric, MO 99.1

Member Service Usage

Rank Credit Union, State Percentile

1 WCG Employees, TN 100.0

2 St. Nicholas, WI 99.9

3 South Sanpete, UT 99.9

4 Columbia Iron Mine Emp. Cr. Un, UT 99.8

5 Lee County Mosquito Control, FL 99.7

6 Greater Galilee Baptist, WI 99.7

7 Industrial Supply Emp., UT 99.6

8 Klann Emp. Credit Union Inc., VA 99.5

9 Fairchild, WI 99.5

10 Missouri Farmers Union, MO 99.4

11 Mid Plains, KS 99.3

12 Rainbow, WI 99.3

13 Holy Redeemer, WI 99.2

14 Southwest Counties School Empl, MO 99.1

15 Cornell Teachers, WI 99.1

ASSETS $2 TO $5 MILLION

Total Return To Member

Rank Credit Union, State Percentile

1 Ark City Teachers, KS 100.00

2 Eaton Employee's, IA 99.92

3 Kokomo Post Office, IN 99.83

4 Floyd County Postal Emp, GA 99.75

5 Burlington Municipal Employees, IA 99.66

6 Bennington E/E, VT 99.58

7 Sunrise, CO 99.50

8 Thd District 13, TX 99.41

9 City of Clarksburg, WV 99.33

10 Fireman's, AL 99.24

11 Derby Teachers, KS 99.16

12 Wakarusa Valley, KS 99.08

13 El Cap, KS 98.99

14 Superior Municipal Employees, WI 98.91

15 Dubuque Postal Employees, IA 98.82

Return To Saver

Rank Credit Union, State Percentile

1 Ashtabula City Employees, OH 100.0

2 Fedco, MO 99.9

3 Harris Employees, GA 99.8

4 Joliet Firefighters, IL 99.7

5 Kokomo Post Office, IN 99.7

6 Revere Firefighters, MA 99.6

7 Floyd County Postal Emp, GA 99.5

8 City of Clarksburg, WV 99.4

9 Kansas Air Guard, KS 99.3

10 Huron Cnw, SD 99.2

11 Glover, HI 99.2

12 Cabot Employees, LA 99.1

13 Ark City Teachers, KS 99.0

14 Radio Cab, OR 98.9

15 Longview, TX 98.8

Return To Borrower

Rank Credit Union, State Percentile

1 Carlisle, OH 100.0

2 Peoria Hiway, IL 99.9

3 Grays Harbor Community Hosp, WA 99.8

4 Douglas County, WI 99.7

5 Electrical Workers Of #601, IL 99.7

6 Magic Valley, ID 99.6

7 Flasher Community, ND 99.5

8 Burlington Municipal Employees, IA 99.4

9 Chemco, AL 99.3

10 Roanoke Virginia Firemen, VA 99.2

11 Derby Teachers, KS 99.2

12 City of Clarksburg, WV 99.1

13 Community Source, OK 99.0

14 Azusa City Employees, CA 98.9

15 Aldersgate, IL 98.8

Member Service Usage

Rank Credit Union, State Percentile

1 Local No. 317 I.A.F.F., WV 100.0

2 Madison Education Assoc., FL 99.9

3 M. G. & E., WI 99.8

4 Superior Municipal Employees, WI 99.7

5 S E A, UT 99.7

6 Sacred Heart Hospital Employee, WI 99.6

7 Sunrise, CO 99.5

8 Davenport Police Department, IA 99.4

9 Ark City Teachers, KS 99.3

10 Provo Police & Fire Dept., UT 99.2

11 Lehigh Valley, IA 99.2

12 Federal Employees, TX 99.1

13 CEMC Employees, TN 99.0

14 Jones Dairy Farm Employees, WI 98.9

15 Madison Fire Department, WI 98.8

ASSETS $5 TO $10 MILLION

Total Return To Member

Rank Credit Union, State Percentile

1 Martin County Cooperative, IN 100.00

2 U H D, NY 99.92

3 Clay County Farm Bureau Co-op, IN 99.85

4 Adams Co Farm Bureau Cooperation, IN 99.77

5 Sullivan County Farm Bureau, IN 99.70

6 Industrial Employees, IA 99.62

7 Guco, NC 99.54

8 Oak Point Employees, LA 99.47

9 Tx Dot, TX 99.39

10 Balance Rock, UT 99.31

11 Warren, IA 99.24

12 Rapids Municipal, WI 99.16

13 Montana Educators, MT 99.09

14 Paris Hi-way, IL 99.01

15 Timken Aerospace, NH 98.93

Return To Saver

Rank Credit Union, State Percentile

1 Goya Foods Employees, NJ 100.0

2 C D S C Louisiana, LA 99.9

3 St. Louis Newspaper Carriers, MO 99.8

4 Green Tree, PA 99.8

5 Warren, IA 99.7

6 Local 606 Electrical Workers, FL 99.6

7 Merriam, CA 99.5

8 Health Emp Chatham County, GA 99.5

9 Louisiana Machinery Employees, LA 99.4

10 Joliet Municipal Employees, IL 99.3

11 Oak Point Employees, LA 99.2

12 N.j.t. Employees, NJ 99.2

13 Offset Paperback, PA 99.1

14 Tec/twc, TX 99.0

15 Clay County Farm Bureau Co-op, IN 98.9

Return To Borrower

Rank Credit Union, State Percentile

1 Three Rivers Community, IL 100.0

2 Synergy Eastex, TX 99.9

3 Health Care Professionals Of N, CA 99.8

4 Balance Rock, UT 99.8

5 Redlands City Employees, CA 99.7

6 Germania, TX 99.6

7 Blues Plus, UT 99.5

8 U H D, NY 99.5

9 Blaw-knox Employees, IL 99.4

10 Wisconsin Medical, WI 99.3

11 Electric Machinery Employees, MN 99.2

12 Marshall T & P Employees, TX 99.2

13 Habersham County, GA 99.1

14 Montana Educators, MT 99.0

15 Oak Point Employees, LA 98.9

Member Service Usage

Rank Credit Union, State Percentile

1 Martin County Cooperative, IN 100.0

2 Montana Educators, MT 99.9

3 Catholic Aid Association, MN 99.8

4 Balance Rock, UT 99.8

5 Municipal Employees & Teachers, WI 99.7

6 Bandag Employees, IA 99.6

7 Adams Co Farm Bureau Cooperation, IN 99.5

8 Pipefitters, DE 99.5

9 U H D, NY 99.4

10 Chemical, IA 99.3

11 Racom Community, IA 99.2

12 Umico, NY 99.2

13 Huntington Schools, IN 99.1

14 High Country, CO 99.0

15 Dubuque Teachers, IA 98.9

ASSETS $10 TO $20 MILLION

Total Return To Member

Rank Credit Union, State Percentile

1 Elm River, ND 100.00

2 Burlington Co-op, WY 99.92

3 Affinity First, ND 99.85

4 Frick, PA 99.77

5 PFD Firefighters Credit Union, VA 99.69

6 Communications & Catholic, IA 99.61

7 Westmoreland Water, PA 99.54

8 First Carolina Postal, NC 99.46

9 Edgewood Vista, ND 99.38

10 East River, SD 99.31

11 Healthcare Plus, SD 99.23

12 W.E.S.C., WY 99.15

13 Saguache County, CO 99.07

14 Sunset Science Park, OR 99.00

15 M-A-Com, MA 98.92

Return To Saver

Rank Credit Union, State Percentile

1 PFD Firefighters Credit Union, VA 100.0

2 Jackson County Co-op, IN 99.9

3 The Way, OH 99.8

4 Raleigh Co. Educators, WV 99.8

5 Honea, HI 99.7

6 Midway, VA 99.6

7 Zane Trace, OH 99.5

8 Northeast Alabama Postal, AL 99.5

9 Georgia Power Valdosta, GA 99.4

10 Taupa Lithuanian, OH 99.3

11 Workmen's Circle, GA 99.2

12 G. P. A., GA 99.2

13 Fredonia Central School, NY 99.1

14 Affinity First, ND 99.0

15 Lapeer County School Employees, MI 98.9

Return To Borrower

Rank Credit Union, State Percentile

1 Selfreliance Balto, MD 100.0

2 East Ky Employees, KY 99.9

3 First Carolina Postal, NC 99.8

4 Ocala Community, FL 99.8

5 Wiscor, WI 99.7

6 1st Cooperative, SC 99.6

7 Great Meadow, NY 99.5

8 Electrical Workers No 558, AL 99.5

9 Workmen's Circle, GA 99.4

10 Flathead, MT 99.3

11 Albany Firemens, NY 99.2

12 Vilas, WI 99.2

13 Brazosport Teachers, TX 99.1

14 Elm River, ND 99.0

15 Bangor Hydro, ME 98.9

Member Service Usage

Rank Credit Union, State Percentile

1 Evansville Firefighters, IN 100.0

2 Central Susquehanna Community, PA 99.9

3 Frick, PA 99.8

4 Lewiston Municipal, ME 99.8

5 Wyochem, WY 99.7

6 MSU, KY 99.6

7 Stage Employees, NV 99.5

8 Miller Electric, WI 99.5

9 Capitol View, IA 99.4

10 Dynamic, OH 99.3

11 North Dakota Air National Guar, ND 99.2

12 Federal Family, VT 99.2

13 Florida Rural Electric, FL 99.1

14 M-A-Com, MA 99.0

15 Varian Sl Employees, UT 98.9

ASSETS $20 TO $50 MILLION

Total Return To Member

Rank Credit Union, State Percentile

1 Winnebago Community, WI 100.00

2 Conservation Employees, MO 99.93

3 Central Keystone, PA 99.87

4 Capital Trust, MN 99.80

5 Alliant, IA 99.73

6 Domino, TX 99.66

7 Dawson Co-op, MN 99.60

8 St. Pius X Church, NY 99.53

9 P S I Terre Haute Division, IN 99.46

10 Evergreen, WI 99.40

11 Tomah Area, WI 99.33

12 Arcadia, WI 99.26

13 Wyo Central, WY 99.20

14 Cheney, WA 99.13

15 South Bend Firefighters, IN 99.06

Return To Saver

Rank Credit Union, State Percentile

1 Fulda Area, MN 100.0

2 Chevron Pascagoula, MS 99.9

3 Latvian Cleveland, OH 99.9

4 E. Ohio United Meth Conf, OH 99.8

5 Harney County, OR 99.7

6 SM, KS 99.7

7 Lauderdale County Teachers, AL 99.6

8 Hometown, ND 99.5

9 Mccone County, MT 99.5

10 Dow Great Western, CA 99.4

11 South Metro, MN 99.3

12 Dawson Co-op, MN 99.3

13 Wilkes- Barre City Employees, PA 99.2

14 Arcadia, WI 99.1

15 Cottonwood Community, ID 99.1

Return To Borrower

Rank Credit Union, State Percentile

1 Domino, TX 100.0

2 Hometown, ND 99.9

3 SM, KS 99.9

4 Dawson Co-op, MN 99.8

5 Evergreen, WI 99.7

6 Okaloosa County Teachers, FL 99.7

7 Charleston Area, SC 99.6

8 Ft. Snelling, MN 99.5

9 Pacific Horizon, UT 99.5

10 American, CA 99.4

11 Conservation Employees, MO 99.3

12 City Of Oxnard - St. John's Emp, CA 99.3

13 Winnebago Community, WI 99.2

14 Gateway Community, MT 99.1

15 Transportation Northwest, WA 99.1

Member Service Usage

Rank Credit Union, State Percentile

1 Conservation Employees, MO 100.0

2 Spokane Firefighters, WA 99.9

3 Syracuse Fire Department Emplo, NY 99.9

4 Utica Gas & Electric Emp, NY 99.8

5 Spokane Law Enforcement, WA 99.7

6 Commonwealth Utilities Employe, MA 99.7

7 Leatherstocking Region, NY 99.6

8 BCM, TX 99.5

9 Armour Kankakee, IL 99.5

10 Evergreen, WI 99.4

11 Johnsonville TVA Employees, TN 99.3

12 Benton County Schools, OR 99.3

13 City Utilities Employees, MO 99.2

14 Tewksbury M.E., MA 99.1

15 Worcester Fire Dept., MA 99.1

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