Small Credit Unions At 3rd Quarter, 2005

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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 $0 TO $2 MILLION

Total Return To Member

Rank Credit Union, State Percentile

1 Quality Oil, NC 100

2 Des Moines Water Works, IA 99.94

3 ETS, IA 99.87

4 Police, WI 99.81

5 Peoples Electric Power, UT 99.74

6 Norwesco, KS 99.68

7 Eagle Rock, IA 99.61

8 Emsco, UT 99.55

9 K.C.S.E., IA 99.48

10 Wisconsin Heights, WI 99.42

11 Printing Crafts, MO 99.36

12 Scfe, OH 99.29

13 Waterloo Firemen's, IA 99.23

14 Gloucester Fire Department, MA 99.16

15 Union Special Employees, IL 99.1

Return To Saver

Rank Credit Union, State Percentile

1 Lakewood Fire Fighters, OH 100

2 Quality Oil, NC 99.9

3 Scfe, OH 99.9

4 ETS, IA 99.8

5 Northern States Montevideo Emp, MN 99.7

6 Superior Postal Employees, WI 99.7

7 Urbandale Municipal Employees, IA 99.6

8 Southern California Latvian, CA 99.5

9 Norwesco, KS 99.5

10 A M P I, IA 99.4

11 Brook Park Municipal Employees, OH 99.4

12 Shaw University, NC 99.3

13 Plainfield, NJ 99.2

14 Choptank Electric Coop Employ, MD 99.2

15 Reco, IL 99.1

Return To Borrower

Rank Credit Union, State Percentile

1 South Sanpete, UT 100

2 Quality Oil, NC 99.9

3 S. W. E., TX 99.9

4 Co - Lib, MO 99.8

5 Abaco MD, MD 99.7

6 Lake Superior Refinery, WI 99.7

7 Public Service Edwardspt Pl E, IN 99.6

8 Police, WI 99.5

9 Des Moines Water Works, IA 99.5

10 Peoples Electric Power, UT 99.4

11 Police, WI 99.4

12 Colfax School Employees, NM 99.3

13 Goodyear San Angelo, TX 99.2

14 Asbestos Workers Local 53, LA 99.2

15 W. N. M. H., KS 99.1

Member Service Usage

Rank Credit Union, State Percentile

1 Columbia Iron Mine Emp. CU, UT 100

2 WCG Employees, TN 99.9

3 St. Nicholas, WI 99.9

4 Wisconsin Heights, WI 99.8

5 Rainbow, WI 99.7

6 Southwest Counties School Empl, MO 99.7

7 Fire Department, WI 99.6

8 Lee County Mosquito Control, FL 99.5

9 Cornell Teachers, WI 99.5

10 Police, WI 99.4

11 F. P. L., WI 99.4

12 Printing Crafts, MO 99.3

13 Holy Redeemer, WI 99.2

14 Star, WI 99.2

15 Wells Empls., WI 99.1

ASSETS $2 TO $5 MILLION

Total Return To Member

Rank Credit Union, State Percentile

1 Ark City Teachers, KS 100

2 Kokomo Post Office, IN 99.92

3 Eaton Employee's, IA 99.84

4 Floyd County Postal Emp, GA 99.76

5 Belt Line Emp Credit Union Inc, VA 99.67

6 Burlington Municipal Employees, IA 99.59

7 Oak Point Employees, LA 99.51

8 Peoria Fire Fighters, IL 99.43

9 Fireman's, AL 99.35

10 ACU, TX 99.27

11 Bennington E/E, VT 99.19

12 Derby Teachers, KS 99.11

13 Chemco, AL 99.02

14 Superior Municipal Employees, WI 98.94

15 Brantwood, WI 98.86

Return To Saver

Rank Credit Union, State Percentile

1 Glover, HI 100

2 Revere Firefighters, MA 99.9

3 Harris Employees, GA 99.8

4 Local No. 317 I.A.F.F., WV 99.8

5 Floyd County Postal Emp, GA 99.7

6 Cabot Employees, LA 99.6

7 Kokomo Post Office, IN 99.5

8 I. H. B. Riverdale, IL 99.4

9 Joliet Firefighters, IL 99.3

10 Northern California Latvian, CA 99.3

11 Belt Line Emp Credit Union Inc, VA 99.2

12 Plainfield Police & Firemen's, NJ 99.1

13 Eaton Employee's, IA 99

14 Ark City Teachers, KS 98.9

15 Fedco, MO 98.9

Return To Borrower

Rank Credit Union, State Percentile

1 Franklin Regional Schools, PA 100

2 Consolidated-hub Co, SD 99.9

3 Orlex Government Employees, VT 99.8

4 Alton Area Employees, IL 99.8

5 Greater Muskegon Postal Emp, MI 99.7

6 Monrovia City Employees, CA 99.6

7 Grays Harbor Community Hosp, WA 99.5

8 Financial Services, WA 99.4

9 Flasher Community, ND 99.3

10 City Of Schenectady Employees, NY 99.3

11 School District #9, IL 99.2

12 Entex-united, TX 99.1

13 Lancaster Pa Police, PA 99

14 A - E EmployeesIA 98.9

15 Azusa City Employees, CA 98.9

Member Service Usage

Rank Credit Union, State Percentile

1 Directors Choice, NY 100

2 M. G. & E., WI 99.9

3 Madison Education Assoc., FL 99.8

4 Sacred Heart Hospital Employee, WI 99.8

5 Peoria Fire Fighters, IL 99.7

6 Southeast Missouri Community, MO 99.6

7 Brantwood, WI 99.5

8 Sunrise, CO 99.4

9 Superior Municipal Employees, WI 99.3

10 Waynesboro Employees, VA 99.3

11 S E A, UT 99.2

12 CEMC Employees, TN 99.1

13 Madison Fire Department, WI 99

14 Wausau City Employees, WI 98.9

15 CW, WI 98.9

ASSETS $5 TO $10 MILLION

Total Return To Member

Rank Credit Union, State Percentile

1 Adams Co Farm Bureau Cooperation, IN 100

2 U H D, NY 99.93

3 Clay County Farm Bureau Co-op, IN 99.85

4 Tx Dot, TX 99.78

5 Rapids Municipal, WI 99.71

6 Martin County Cooperative, IN 99.63

7 Huron Area Education, SD 99.56

8 Paris Hi-way, IL 99.49

9 Arkansas Farm Bureau, AR 99.41

10 Timken Aerospace, NH 99.34

11 Warren, IA 99.27

12 Bell-Government, KS 99.2

13 Industrial Employees, IA 99.12

14 Guco, NC 99.05

15 Valley Educators, CO 98.98

Return To Saver

Rank Credit Union, State Percentile

1 Goya Foods Employees, NJ 100

2 Laredo Fire Department, TX 99.9

3 Huron Area Education, SD 99.9

4 Warren, IA 99.8

5 Mt. Lebanon (pa) School Employ, PA 99.7

6 Valley Educators, CO 99.6

7 Arkansas Farm Bureau, AR 99.6

8 Tool Steel, OH 99.5

9 Crch Employees, VA 99.4

10 American Nickeloid Employees, IL 99.3

11 C D S C Louisiana, LA 99.3

12 Tec/twc, TX 99.2

13 Varco Employees, TX 99.1

14 Offset Paperback, PA 99

15 St. Louis Newspaper Carriers, MO 99

Return To Borrower

Rank Credit Union, State Percentile

1 Devils Slide, UT 100

2 Lamoure, ND 99.9

3 Ampot, MS 99.9

4 Fci, TX 99.8

5 Joliet Municipal Employees, IL 99.7

6 Arkansas Farm Bureau, AR 99.6

7 Habersham County, GA 99.6

8 Three Rivers Community, IL 99.5

9 Worcester Police Department, MA 99.4

10 Redlands City Employees, CA 99.3

11 Gallup, NE 99.3

12 Huron Area Education, SD 99.2

13 Morris Sheppard Texark, TX 99.1

14 Altoona Veeder-Root, PA 99

15 Blennerhassett, WV 99

Member Service Usage

Rank Credit Union, State Percentile

1 Montana Educators, MT 100

2 Catholic Aid Association, MN 99.9

3 Division 726, NY 99.9

4 Balance Rock, UT 99.8

5 Altoona Area Employees, PA 99.7

6 Adams Co Farm Bureau Cooperati, IN 99.6

7 Southwestern Telco, VA 99.6

8 Chemical, IA 99.5

9 Clay County Farm Bureau Co-op, IN 99.4

10 Varian Sl Employees, UT 99.3

11 Jefferson County Community, IA 99.3

12 Umico, NY 99.2

13 UW - S.P., WI 99.1

14 Dubuque Teachers, IA 99

15 Racom Community, IA 99

ASSETS $10 TO $20 MILLION

Total Return To Member

Rank Credit Union, State Percentile

1 PFD Firefighters Credit Union, VA 100

2 Affinity First, ND 99.92

3 Union Trades, WV 99.85

4 W.E.S.C., WY 99.77

5 East River, SD 99.7

6 Elm River, ND 99.62

7 Sunset Science Park, OR 99.55

8 First Carolina Postal, NC 99.47

9 Ocala Community, FL 99.39

10 Communications & Catholic, IA 99.32

11 ANG, AL 99.24

12 Capitol View, IA 99.17

13 Edgewood Vista, ND 99.09

14 Rapid City Medical, SD 99.01

15 Saguache County, CO 98.94

Return To Saver

Rank Credit Union, State Percentile

1 The Way, OH 100

2 Preston, WV 99.9

3 PFD Firefighters Credit Union, VA 99.8

4 Cincinnati Employees, OH 99.8

5 Burlington Northern Grand Fork, ND 99.7

6 Honea, HI 99.6

7 Midway, VA 99.5

8 Jackson County Co-op, IN 99.5

9 Northeast Alabama Postal, AL 99.4

10 Raleigh Co. Educators, WV 99.3

11 Consumer Healthcare, PA 99.2

12 Workmen's Circle, GA 99.2

13 Triangle, IL 99.1

14 Evergreen Park Schools, IL 99

15 Brewton Mill, AL 98.9

Return To Borrower

Rank Credit Union, State Percentile

1 Selfreliance Balto, MD 100

2 East River, SD 99.9

3 Taupa Lithuanian, MA 99.8

4 University Of Wisconsin-oshkos, WI 99.8

5 Ocala Community, FL 99.7

6 1st Cooperative, SC 99.6

7 Frick, PA 99.5

8 Workmen's Circle, GA 99.5

9 Toro Employees, MN 99.4

10 H E A, GA 99.3

11 Great Meadow, NY 99.2

12 First Carolina Postal, NC 99.2

13 Riverfork, ND 99.1

14 M.P.D. Community, TN 99

15 Bangor Hydro, ME 98.9

16 Coastway, RI 97.4

17 Denver Community, CO 97.2

18 Denton Area Teachers, TX 97.0

19 Energy One, OK 96.8

20 Portland Area Community Emp., OR 96.7

Member Service Usage

Rank Credit Union, State Percentile

1 Evansville Firefighters, IN 100

2 MSU, KY 99.9

3 Central Susquehanna Community, PA 99.8

4 Frick, PA 99.8

5 PFD Firefighters Credit Union, VA 99.7

6 Lewiston Municipal, ME 99.6

7 School District 40 Employees, IL 99.5

8 Stage Employees, NV 99.5

9 Federal Family, VT 99.4

10 Miller Electric, WI 99.3

11 Gates Chili, NY 99.2

12 Wyochem, WY 99.2

13 Capitol View, IA 99.1

14 North Dakota Air National Guar, ND 99

15 Streator Community, IL 98.9

ASSETS $20 TO $50 MILLION

Total Return To Member

Rank Credit Union, State Percentile

1 Winnebago County Employees, WI 100

2 Central Keystone, PA 99.93

3 Conservation Employees, MO 99.87

4 Montrose, CO 99.8

5 Alliant, IA 99.73

6 Domino, TX 99.67

7 USE, MN 99.6

8 P S I Terre Haute Division, IN 99.54

9 Dawson Co-op, MN 99.47

10 SRI, CA 99.4

11 South Bend Firefighters, IN 99.34

12 Evergreen, WI 99.27

13 Cincinnati Ohio Police, OH 99.2

14 Coast Line, ME 99.14

15 The Archer Cooperative, NE 99.07

Return To Saver

Rank Credit Union, State Percentile

1 Harney County, OR 100

2 Lauderdale County Teachers, AL 99.9

3 Latvian Cleveland, OH 99.9

4 CACL, PA 99.8

5 Fulda Area, MN 99.7

6 South Metro, MN 99.7

7 Wilkes- Barre City Employees, PA 99.6

8 Dawson Co-op, MN 99.5

9 SM, KS 99.5

10 Cottonwood Community, ID 99.4

11 Coast Line, ME 99.3

12 Mead Coated Board, AL 99.3

13 Consumers, NY 99.2

14 Mccone County, MT 99.1

15 Charlotte Fire Department, NC 99.1

Return To Borrower

Rank Credit Union, State Percentile

1 SRI, CA 100

2 Winnebago County Employees, WI 99.9

3 SM, KS 99.9

4 Okaloosa County Teachers, FL 99.8

5 Gundersen Lutheran, WI 99.7

6 USE, MN 99.7

7 Crow Wing Power, MN 99.6

8 Tomah Area, WI 99.5

9 Tuscaloosa V A, AL 99.5

10 Hometown, ND 99.4

11 Evergreen, WI 99.3

12 First Ohio Community, OH 99.3

13 Pacific Horizon, UT 99.2

14 Alliant, IA 99.1

15 Alliance Blackstone Valley, RI 99.1

Member Service Usage

Rank Credit Union, State Percentile

1 Conservation Employees, MO 100

2 Spokane Firefighters, WA 99.9

3 Utica Gas & Electric Emp, NY 99.9

4 Syracuse Fire Department Emp, NY 99.8

5 Leatherstocking Region, NY 99.7

6 Spokane Law Enforcement, WA 99.7

7 Commonwealth Utilities Emp, MA 99.6

8 Fitchburg M E, MA 99.5

9 Armour Kankakee, IL 99.5

10 Benton County Schools, OR 99.4

11 Johnsonville TVA Employees, TN 99.3

12 First Rochester Community, NY 99.3

13 Gapac Employees, WA 99.2

14 Carolina Mountains, NC 99.1

15 Minnesota Valley, MN 99.1

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