Small Credit Unions At 4th 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, 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 Carroll Childers, TX 99.93

3 Scfe, OH 99.87

4 Peoples Electric Power, UT 99.80

5 ETS, IA 99.73

6 Ukrainian Washington, VA 99.67

7 New Castle Postal Employees, PA 99.60

8 Joy Employees, WV 99.53

9 Directors Choice, NY 99.47

10 Eagle Rock, IA 99.40

11 Des Moines Water Works, IA 99.34

12 K.C.S.E., IA 99.27

13 Norwesco, KS 99.20

14 Northern States Montevideo Emp, MN 99.14

15 I.C.E., ID 99.07

Return To Saver

Rank Credit Union, State Percentile

1 Brook Park Municipal Employees, OH 100.0

2 Troy Area School Emp., PA 99.9

3 Scfe, OH 99.9

4 Northern States Montevideo Emp, MN 99.8

5 Projector, NY 99.7

6 Pennzoil, TX 99.7

7 Plainfield, NJ 99.6

8 Tuscaloosa News, AL 99.5

9 Kenrick, PA 99.5

10 Marion Postal Employees, IN 99.4

11 Ss Peter & Paul, PA 99.3

12 Carroll Childers, TX 99.3

13 Bogalusa Schools, LA 99.2

14 Kabel, OH 99.1

15 Southern California Latvian, CA 99.1

Return To Borrower

Rank Credit Union, State Percentile

1 Colfax School Employees, NM 100.0

2 Co - Lib, MO 99.9

3 Webster Groves Municipal Emplo, MO 99.9

4 Police, WI 99.8

5 Concora Wabash, IN 99.7

6 Public Service Edwardspt Pl E, IN 99.7

7 Butler Employees, MO 99.6

8 Grays Harbor Community Hosp, WA 99.5

9 Peoples Electric Power, UT 99.5

10 South Sanpete, UT 99.4

11 S. W. E., TX 99.3

12 Democrat P & L, AR 99.3

13 Central Electric, MO 99.2

14 Mcmillen Master, IL 99.1

15 S. T. P. Employees, PA 99.1

Member Service Usage

Rank Credit Union, State Percentile

1 Directors Choice, NY 100.0

2 Columbia Iron Mine Emp. CU, UT 99.9

3 St. Nicholas, WI 99.9

4 Southwest Counties School Empl, MO 99.8

5 Mid Plains, KS 99.7

6 Norwesco, KS 99.7

7 Muncie Post Office, IN 99.6

8 Lovers Lane, MO 99.5

9 WCG Employees, TN 99.5

10 Eagle Rock, IA 99.4

11 Arvin Employees, MO 99.3

12 St. Pius X, MO 99.3

13 Carroll Childers, TX 99.2

14 ETS, IA 99.1

15 Kaw Gas, KS 99.1

ASSETS $2 TO $5 MILLION

Total Return To Member

Rank Credit Union, State Percentile

1 Ark City Teachers, KS 100.00

2 Kokomo Post Office, IN 99.92

3 Flower City, NY 99.83

4 Floyd County Postal Emp, GA 99.75

5 Carlisle, OH 99.67

6 Eaton Employee's, IA 99.58

7 Lane Memorial, LA 99.50

8 ACU, TX 99.42

9 Fallon County, MT 99.33

10 City of Clarksburg, WV 99.25

11 Flasher Community, ND 99.16

12 Sunrise, CO 99.08

13 Dubuque Postal Employees, IA 99.00

14 Derby Teachers, KS 98.91

15 Magic Valley, ID 98.83

Return To Saver

Rank Credit Union, State Percentile

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

2 Ashtabula City Employees, OH 99.9

3 Boston Symphony Orchestra Empl, MA 99.8

4 Harris Employees, GA 99.7

5 District 58, LA 99.7

6 Henderson State University, AR 99.6

7 Kokomo Post Office, IN 99.5

8 Glover, HI 99.4

9 Alliance of Automotive Service, PA 99.3

10 Tel-U-Watt, ND 99.2

11 Floyd County Postal Emp, GA 99.2

12 Flower City, NY 99.1

13 Dubuque Postal Employees, IA 99.0

14 City of Clarksburg, WV 98.9

15 I. H. B. Riverdale, IL 98.8

Return To Borrower

Rank Credit Union, State Percentile

1 Franklin Regional Schools, PA 100.0

2 Ampot, MS 99.9

3 Azusa City Employees, CA 99.8

4 Electrical Workers Of #601, IL 99.7

5 Derby Teachers, KS 99.7

6 Consolidated-hub Co, SD 99.6

7 Magic Valley, ID 99.5

8 Lancaster Pa Police, PA 99.4

9 Carlisle, OH 99.3

10 Chemco, AL 99.2

11 Denocos, CA 99.2

12 Orlex Government Employees, VT 99.1

13 Monrovia City Employees, CA 99.0

14 Flasher Community, ND 98.9

15 Flower City, NY 98.8

Member Service Usage

Rank Credit Union, State Percentile

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

2 Arizona Grocers, AZ 99.9

3 Sunrise, CO 99.8

4 CEMC Employees, TN 99.7

5 Dexter Public Schools, MO 99.7

6 Edison, OH 99.6

7 Parkridge, TN 99.5

8 Alabama Postal, AL 99.4

9 South Shore Railroad Emp, IN 99.3

10 Ark City Teachers, KS 99.2

11 Elk Basin, WY 99.2

12 Community Source, OK 99.1

13 Magic Valley, ID 99.0

14 Mountain West, MT 98.9

15 C M A, AL 98.8

ASSETS $5 TO $10 MILLION

Total Return To Member

Rank Credit Union, State Percentile

1 Arkansas Farm Bureau, AR 100.00

2 Joliet Municipal Employees, IL 99.93

3 Town Of Cheektowaga Employees, NY 99.85

4 Knoxville News-Sentinel Employ, TN 99.78

5 Martin County Cooperative, IN 99.70

6 Paris Hi-way, IL 99.63

7 Portland Maine Police Departme, ME 99.55

8 Telbec, WV 99.48

9 Tuscaloosa, AL 99.40

10 Synergy Eastex, TX 99.33

11 Huntington County, IN 99.25

12 Tx Dot, TX 99.18

13 Bell-Government, KS 99.10

14 Tec/twc, TX 99.03

15 U H D, NY 98.95

Return To Saver

Rank Credit Union, State Percentile

1 American Nickeloid Employees, IL 100.0

2 Portland Maine Police Departme, ME 99.9

3 Offset Paperback, PA 99.9

4 Merriam, CA 99.8

5 Treasury Employees, MS 99.7

6 P.C., PA 99.6

7 Rutherford Postal District Em, NJ 99.6

8 N. J. Latvian, NJ 99.5

9 Laredo Fire Department, TX 99.4

10 St. Louis Newspaper Carriers, MO 99.3

11 Arkansas Farm Bureau, AR 99.3

12 Tec/twc, TX 99.2

13 Wyoming Area, PA 99.1

14 Health Emp Chatham County, GA 99.0

15 Goya Foods Employees, NJ 99.0

Return To Borrower

Rank Credit Union, State Percentile

1 Three Rivers Community, IL 100.0

2 Devils Slide, UT 99.9

3 Marshall T & P Employees, TX 99.9

4 Habersham County, GA 99.8

5 Paris Hi-way, IL 99.7

6 Worcester Police Department, MA 99.6

7 Adams Co Farm Bureau Cooperati, IN 99.6

8 Fci, TX 99.5

9 Capital Area Realtors, MD 99.4

10 Semiconductor Of Maine, ME 99.3

11 Balance Rock, UT 99.3

12 Newport Beach City Employees, CA 99.2

13 Synergy Eastex, TX 99.1

14 Morris Sheppard Texark, TX 99.0

15 Redlands City Employees, CA 99.0

Member Service Usage

Rank Credit Union, State Percentile

1 Montana Educators, MT 100.0

2 Dacotah, SD 99.9

3 High Country, CO 99.9

4 United, IN 99.8

5 Dynamic, OH 99.7

6 Va Beach Postal, VA 99.6

7 Chemical, IA 99.6

8 Hulman Field Technicians, IN 99.5

9 Varian Sl Employees, UT 99.4

10 Lake Shore, NY 99.3

11 Cody Schools, WY 99.3

12 Southwestern Telco, VA 99.2

13 Spokane Media, WA 99.1

14 Racom Community, IA 99.0

15 Balance Rock, UT 99.0

ASSETS $10 TO $20 MILLION

Total Return To Member

Rank Credit Union, State Percentile

1 Affinity First, ND 100.00

2 PFD Firefighters Credit Union, VA 99.92

3 Burlington Co-op, WY 99.84

4 First Carolina Postal, NC 99.77

5 Westmoreland Water, PA 99.69

6 Elm River, ND 99.61

7 East River, SD 99.53

8 Communications & Catholic, IA 99.45

9 Edgewood Vista, ND 99.38

10 Sunset Science Park, OR 99.30

11 Zane Trace, OH 99.22

12 Saguache County, CO 99.14

13 Rapid City Medical, SD 99.07

14 Capitol View, IA 98.99

15 Moline Municipal, IL 98.91

Return To Saver

Rank Credit Union, State Percentile

1 The Way, OH 100.0

2 Cincinnati Employees, OH 99.9

3 PFD Firefighters Credit Union, VA 99.8

4 Raleigh Co. Educators, WV 99.8

5 Zane Trace, OH 99.7

6 Honea, HI 99.6

7 Northeast Alabama Postal, AL 99.5

8 Jackson County Co-op, IN 99.5

9 Midway, VA 99.4

10 Triangle, IL 99.3

11 Preston, WV 99.2

12 Workmen's Circle, GA 99.1

13 Ecco, FL 99.1

14 G. P. A., GA 99.0

15 Salina Interparochial, KS 98.9

Return To Borrower

Rank Credit Union, State Percentile

1 Selfreliance Balto, MD 100.0

2 1st Cooperative, SC 99.9

3 First Carolina Postal, NC 99.8

4 Ocala Community, FL 99.8

5 East Ky Employees, KY 99.7

6 Wiscor, WI 99.6

7 University Of Wisconsin-oshkos, WI 99.5

8 H E A, GA 99.5

9 Workmen's Circle, GA 99.4

10 Vilas, WI 99.3

11 Bcbsm, MN 99.2

12 Bangor Hydro, ME 99.1

13 Toro Employees, MN 99.1

14 Stage Employees, NV 99.0

15 Riverfork, ND 98.9

Member Service Usage

Rank Credit Union, State Percentile

1 Evansville Firefighters, IN 100.0

2 Frick, PA 99.9

3 Central Susquehanna Community, PA 99.8

4 MSU, KY 99.8

5 School District 40 Employees, IL 99.7

6 Lewiston Municipal, ME 99.6

7 Chivaho, OH 99.5

8 Wyochem, WY 99.5

9 Stage Employees, NV 99.4

10 Miller Electric, WI 99.3

11 Capitol View, IA 99.2

12 Federal Family, VT 99.1

13 North Dakota Air National Guar, ND 99.1

14 Gates Chili, NY 99.0

15 M-A-Com, MA 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 Alliant, IA 99.80

5 Capital Trust, MN 99.73

6 Domino, TX 99.67

7 P S I Terre Haute Division, IN 99.60

8 Evergreen, WI 99.53

9 Cincinnati Ohio Police, OH 99.46

10 SRI, CA 99.40

11 Hometown, ND 99.33

12 South Bend Firefighters, IN 99.26

13 Dawson Co-op, MN 99.20

14 The Archer Cooperative, NE 99.13

15 St. Pius X Church, NY 99.06

Return To Saver

Rank Credit Union, State Percentile

1 Lauderdale County Teachers, AL 100.0

2 Harney County, OR 99.9

3 Latvian Cleveland, OH 99.9

4 Fulda Area, MN 99.8

5 South Metro, MN 99.7

6 SM, KS 99.7

7 Dawson Co-op, MN 99.6

8 Wilkes- Barre City Employees, PA 99.5

9 Postal Employees, NJ 99.5

10 Cottonwood Community, ID 99.4

11 CACL, PA 99.3

12 Mead Coated Board, AL 99.3

13 Mccone County, MT 99.2

14 Coast Line, ME 99.1

15 Hometown, ND 99.1

Return To Borrower

Rank Credit Union, State Percentile

1 Okaloosa County Teachers, FL 100.0

2 Evergreen, WI 99.9

3 Tuscaloosa V A, AL 99.9

4 Winnebago Community, WI 99.8

5 SRI, CA 99.7

6 Hometown, ND 99.7

7 SM, KS 99.6

8 Gundersen Lutheran, WI 99.5

9 Domino, TX 99.5

10 Tomah Area, WI 99.4

11 Lawrence Firefighters, MA 99.3

12 Alliant, IA 99.3

13 Crow Wing Power, MN 99.2

14 First Ohio Community, OH 99.1

15 St. Pius X Church, NY 99.1

Member Service Usage

Rank Credit Union, State Percentile

1 Conservation Employees, MO 100.0

2 Spokane Firefighters, WA 99.9

3 Utica Gas & Electric Emp, NY 99.9

4 Syracuse Fire Department Employee, NY 99.8

5 Commonwealth Utilities Employee, MA 99.7

6 Fitchburg M E, MA 99.7

7 Leatherstocking Region, NY 99.6

8 Spokane Law Enforcement, WA 99.5

9 BCM, TX 99.5

10 City Utilities Employees, MO 99.4

11 Benton County Schools, OR 99.3

12 Evergreen, WI 99.3

13 Armour Kankakee, IL 99.2

14 Johnsonville TVA Employees, TN 99.1

15 Minnesota Valley Federal, MN 99.1

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