Total Return To The Borrowers During 1st Quarter, 2005

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This page features credit unions that have been identified, according to one set of criteria, as delivering superior value to their members on the loan side of the business.

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 Credit Union Journal regularly publishes the Return of the Member Rankings overall, offering a snapshot of the rankings for all three components, but the following set of charts takes a closer look at how well credit unions are "giving back" to their members through loans-what Callahan's calls "Return to the Borrowers."

How credit unions perform in the lending arena is considered of primary importance because of its importance to a credit union's overall success.

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 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 e-mailing fdiekmann cujournal.com. We look forward to hearing from you.

Editor's note: For spacing reasons, The Credit Union Journal was not able to include the smallest asset size category-$0 to $2 million-in the following tables.

(part 1 of 2)

Assets $2 to $5 Million

Rank Credit Union, State

1 Franklin Regional Schools, PA

2 Lancaster Pa Police, PA

3 Boston Symphony Orchestra Empl, MA

4 Plains, TX

5 Roaring Fork Employees, CO

6 Kirkwood Municipal, MO

7 Richmond City Employees, IN

8 Flasher Community, ND

9 C.f.c.a. Employees, KS

10 Kokomo Post Office, IN

11 Aldersgate, IL

12 Douglas County, WI

Assets $5 to $10 Million

Rank Credit Union, State

1 FCI, TX

2 Arkansas Farm Bureau, AR

3 Paris Hi-way, IL

4 Gallup, NE

5 Worcester Police Department, MA

6 HealthONE, CO

7 Farm Bureau Family, MI

8 Devils Slide, UT

9 Timken Aerospace, NH

10 Capital Area Realtors, MD

11 Edgewood Vista, ND

12 Lamoure, ND

Assets $10 to $20 Million

Rank Credit Union, State

1 Los Alamos Schools, NM

2 Selfreliance Balto, MD

3 Taupa Lithuanian, MA

4 Jackson County Co-op, IN

5 Adams Co Farm Bureau, IN

6 Ocala Community, FL

7 Lewiston Municipal, ME

8 East Ky Employees, KY

9 Bangor Hydro, ME

10 Toro Employees, MN

11 Sunset Science Park, OR

12 Triniservice, ND

Assets $20 to $50 Million

Rank Credit Union, State

1 SRI, CA

2 Hometown, ND

3 Winnebago County Employees, WI

4 USE, MN

5 SM, KS

6 Pacific Horizon, UT

7 Montrose, CO

8 Columbus, RI

9 St. Pius X Church, NY

10 Okaloosa County Teachers, FL

11 Credit Union of the Rockies, CO

12 Gateway Community, MT

Assets $50 to $100 Million

Rank Credit Union, State

1 Tampa Postal District, FL

2 US Alliance, CO

3 Atascadero, CA

4 Community, WI

5 P. C. M. Employees, WI

6 Park City, WI

7 Missouri Electric Cooperatives, MO

8 Park View, VA

9 Saugus, MA

10 Central Macomb Community, MI

11 Concord Diablo, CA

12 EECU, MI

Assets $100 to $250 Million

Rank Credit Union, State

1 Prospera, WI

2 Toyota, CA

3 Midwest Financial, MI

4 Kern, CA

5 Liberty First, NE

6 General Mills, MN

7 USC, CA

8 Oregon First Community, OR

9 Red Rocks, CO

10 Cloverbelt, WI

11 Burbank City, CA

12 Massachusetts Institute Of Tech, MA

Assets $250 Million to $1 Billion

Rank Credit Union, State

1 Oregon Community, OR

2 Direct, MA

3 I-C, MA

4 Landmark, WI

5 Silver State Schools, NV

6 Affinity Plus, MN

7 California Coast, CA

8 Portland Area Community Empl, OR

9 New England, VT

10 Pioneer, WI

11 Rockland, MA

12 Community First, WI

Assets More Than $1 Billion

Rank Credit Union, State

1 Portland Teachers, OR

2 Pentagon, VA

3 Lockheed, CA

4 Bank-Fund Staff, DC

5 Redwood, CA

6 Bellco, CO

7 Digital, MA

8 BECU, WA

9 Security Service, TX

10 Premier America, CA

11 America First, UT

12 Wescom, CA

(part 2 of 2)

Assets $2 to $5 Million

Rank Loans/ Yeild Ave # Loans 3-Yr. Loan Loans Granted

Shares Loans Member Growth Member

1 98.82% 5.25% 0.46 5.31% $966

2 106.75% 5.91% 0.63 11.63% $818

3 90.37% 5.75% 0.32 16.04% $1,097

4 98.08% 6.38% 0.59 6.34% $544

5 88.05% 5.92% 0.41 14.88% $434

6 95.91% 6.35% 0.61 16.14% $392

7 91.86% 5.79% 0.42 36.93% $420

8 109.76% 6.41% 0.55 8.48% $1,066

9 90.94% 6.55% 0.51 23.38% $667

10 91.35% 6.82% 0.88 20.44% $1,384

11 96.30% 6.55% 0.40 23.09% $978

12 85.85% 5.56% 0.77 5.43% $460

Assets $5 to $10 Million

Rank Loans/ Yeild Ave # Loans 3-Yr. Loan Loans Granted

Shares Loans Member Growth Member

1 97.49% 6.19% 0.69 11.12% $1,375

2 84.77% 5.29% 1.52 8.92% $1,637

3 95.58% 5.96% 0.57 14.01% $747

4 92.45% 5.84% 0.39 17.23% $536

5 80.15% 5.48% 0.56 26.14% $887

6 91.46% 6.13% 0.61 15.49% $1,755

7 93.90% 6.31% 0.57 9.22% $1,216

8 97.96% 5.69% 0.10 27.01% $1,037

9 82.21% 5.65% 0.59 17.11% $509

10 98.22% 4.80% 0.25 19.86% $648

11 118.58% 7.29% 0.76 26.03% $927

12 85.06% 5.86% 0.49 6.18% $1,065

Assets $10 to $20 Million

Rank Loans/ Yeild Ave # Loans 3-Yr. Loan Loans Granted

Shares Loans Member Growth Member

1 105.82% 5.68% 0.5 22.14% $512

2 89.18% 5.62% 0.4 30.89% $1,685

3 95.64% 5.14% 0.8 15.54% $324

4 100.70% 6.48% 0.6 12.47% $1,307

5 92.00% 5.43% 0.3 20.81% $3,403

6 93.40% 6.23% 0.7 17.47% $942

7 96.88% 5.83% 0.6 13.49% $616

8 83.81% 5.35% 0.5 10.28% $1,131

9 97.94% 5.80% 0.6 12.01% $683

10 92.89% 5.60% 0.4 14.40% $697

11 93.48% 5.73% 0.5 10.88% $752

12 97.98% 6.32% 0.6 17.84% $707

Assets $20 to $50 Million

Rank Loans/ Yeild Ave # Loans 3-Yr. Loan Loans Granted

Shares Loans Member Growth Member

1 87.33% 5.29% 0.6 42.23% $1,554

2 105.68% 6.03% 0.6 16.50% $2,140

3 103.11% 5.61% 0.7 15.74% $791

4 102.59% 6.00% 0.9 11.30% $1,116

5 100.41% 4.80% 0.5 10.08% $1,129

6 106.74% 5.85% 0.5 19.60% $650

7 94.31% 5.92% 0.6 20.41% $762

8 100.12% 5.50% 0.3 18.56% $836

9 97.35% 5.84% 0.6 9.09% $980

10 80.22% 5.63% 0.9 14.52% $772

11 91.78% 5.63% 0.8 9.44% $645

12 93.06% 5.79% 0.6 13.77% $588

Assets $50 to $100 Million

Rank Loans/ Yeild Ave # Loans 3-Yr. Loan Loans Granted

Shares Loans Member Growth Member

1 109.18% 5.67% 0.6 24.13% $811

2 114.95% 5.57% 0.5 25.54% $737

3 104.93% 5.40% 0.5 29.76% $837

4 120.04% 5.49% 0.5 17.44% $704

5 115.63% 5.96% 0.7 12.09% $1,630

6 120.35% 5.29% 0.4 19.36% $626

7 93.11% 5.72% 0.9 13.07% $1,185

8 101.81% 6.26% 0.7 21.55% $1,713

9 93.04% 6.04% 0.6 11.42% $2,836

10 94.76% 5.66% 0.5 25.45% $620

11 92.02% 6.33% 0.7 27.16% $1,247

12 94.19% 5.67% 0.9 22.25% $508

Assets $100 to $250 Million

Rank Loans/ Yeild Ave # Loans 3-Yr. Loan Loans Granted

Shares Loans Member Growth Member

1 108.63% 5.60% 0.6 15.99% $1,120

2 86.44% 5.12% 0.5 23.23% $1,806

3 104.07% 6.00% 0.7 30.25% $1,273

4 96.96% 5.68% 0.7 13.44% $5,040

5 110.35% 6.17% 0.6 21.11% $1,422

6 90.12% 5.46% 0.6 18.53% $1,070

7 92.47% 5.44% 0.5 13.33% $1,026

8 98.11% 5.95% 0.7 29.54% $1,153

9 102.91% 5.35% 0.6 16.74% $722

10 102.02% 5.43% 0.5 14.84% $825

11 94.59% 6.00% 0.8 22.18% $1,705

12 91.49% 5.47% 0.6 22.49% $581

Assets $250 Million to $1 Billion

Rank Loans/ Yeild Ave # Loans 3-Yr. Loan Loans Granted

Shares Loans Member Growth Member

1 103.62% 5.05% 1.1 16.55% $1,116

2 95.46% 5.15% 0.9 16.35% $1,097

3 107.84% 5.49% 0.7 14.26% $1,493

4 95.88% 5.03% 0.6 17.34% $987

5 90.26% 5.18% 0.4 22.14% $1,369

6 102.60% 5.53% 0.6 14.88% $996

7 90.13% 5.39% 0.7 19.61% $1,154

8 97.10% 5.13% 1.4 21.38% $960

9 101.48% 5.03% 0.5 19.90% $792

10 105.88% 5.64% 0.6 17.29% $892

11 110.79% 4.84% 0.4 23.96% $706

12 95.38% 5.39% 0.6 22.85% $950

Assets More Than $1 Billion

Rank Loans/ Yeild Ave # Loans 3-Yr. Loan Loans Granted

Shares Loans Member Growth Member

1 97.32% 4.92% 0.7 19.65% $1,501

2 92.43% 5.50% 1.0 21.27% $1,660

3 99.55% 5.65% 0.8 20.97% $1,440

4 85.43% 4.58% 0.8 14.17% $2,159

5 95.89% 4.96% 0.6 14.74% $1,550

6 107.27% 5.37% 1.2 12.30% $1,179

7 92.07% 5.45% 0.9 25.22% $915

8 87.12% 5.61% 0.9 16.36% $1,785

9 106.36% 5.11% 0.5 16.87% $856

10 89.50% 5.38% 0.6 14.90% $1,140

11 87.71% 5.40% 0.8 12.67% $1,576

12 95.96% 5.86% 0.7 15.19% $1,720

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