Total Return To The Saver During 1st Quarter, 2005

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The credit unions featured on this page have been identified, according to one set of criteria, as delivering superior value to their members on the saving 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 CUs are "giving back" to their members through savings-what Callahan's calls "Return to the Savers."

Return to the Savers is the first component of the Return to the Member statistics, and it measures how well a credit union is doing in providing deposit services back to members.

The Credit Union Journal has featured the high-performers in the Return to the Member rankings as part of its Success Stories features, which examine why and how the credit union's management has been able to drive the credit union's success.

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 Revere Firefighters,MA

2 Harris Employees,GA

3 I. H. B. Riverdale,IL

4 Floyd County Postal Empl,GA

5 Kokomo Post Office,IN

6 Maumee Educators,OH

7 Capital Area Taiwanese,VA

8 Joliet Firefighters,IL

9 Purity Dairies Employees,TN

10 Holyoke Postal,MA

11 Plainfield Police & Firemen's,NJ

12 Fedco,MO

Assets $5 to $10 Million

Rank Credit Union, State

1 Laredo Fire Department,TX

2 Goya Foods Employees,NJ

3 Mamta,NY

4 Valley Educators,CO

5 Warren,IA

6 Offset Paperback,PA

7 Arkansas Farm Bureau,AR

8 American Nickeloid Employees,IL

9 All Hans,LA

10 Crch Employees,VA

11 Louisiana Machinery Employees,LA

12 Duluth Police Department Empl,MN

Assets $10 to $20 Million

Rank Credit Union, State

1 The Way,,OH

2 Midway,VA

3 Northeast Alabama Postal,AL

4 Preston Co. School Employees,WV

5 PFD Firefighters,VA

6 Honea,HI

7 Raleigh Co. Educators,WV

8 Workmen's Circle Incorporated,GA

9 Cincinnati Employees,OH

10 Public Service,NJ

11 WV Air National Guard,WV

12 Evergreen Park Schools,IL

Assets $20 to $50 Million

Rank Credit Union, State

1 CACL,PA

2 Lauderdale County Teachers,AL

3 Harney County,OR

4 Wilkes- Barre City Employees,PA

5 Fulda Area,MN

6 Latvian Cleveland,OH

7 Postal Employees,NJ

8 California Lithuanian,CA

9 Cottonwood Community,ID

10 South Metro,MN

11 SM,KS

12 Helco,HI

Assets $50 to $100 Million

Rank Credit Union, State

1 Central,NY

2 North Shore,MN

3 Aliant,NE

4 Chabot,CA

5 Coastland,LA

6 Northwestern Mutual,WI

7 Musicians,CA

8 Aurora Schools,CO

9 Queens Postal,NY

10 Franklin County Teachers,PA

11 R-G,MO

12 California State & Fed Empl #20,CA

Assets $100 to $250 Million

Rank Credit Union, State

1 Industrial,MA

2 Luso,MA

3 Popa,CA

4 State Farm Great Western,AZ

5 State Farm Pacific Northwest,WA

6 Cascade,WA

7 State Farm Mid-America,OH

8 St. Paul Croatian,OH

9 Ukrainian Selfreliance,PA

10 Louviers,DE

11 Marshall Community,MI

12 State Farm West Central,NE

Assets $250 Million to $1 Billion

Rank Credit Union, State

1 State Farm Great Lakes,IL

2 Evansville Teachers,IN

3 Los Angeles Firemen's,CA

4 State Farm Northeast,NY

5 State Farm California,CA

6 Direct,MA

7 Self Reliance NY,NY

8 NCPD,NY

9 Greylock,MA

10 Portland Area Community Empl,OR

11 F & A,CA

12 Covantage,WI

Assets More Than $1 Billion

Rank Credit Union, State

1 Merck Employees,NJ

2 APCO Employees,AL

3 Pentagon,VA

4 Patelco,CA

5 STAR One,CA

6 Eastman,TN

7 Suncoast Schools,FL

8 Northwest,VA

9 Bethpage,NY

10 Visions,NY

11 Lake Michigan,MI

12 Police And Fire,PA

(part 2 of 2)

Assets $2 to $5 Million

Rank Dividend Ave. Divid. Growth Ave 3-Yr. Share Share Acct/

Income Paid Share Bal Growth Member

1 58.52% 2.97% 16.00% 12.58% 0.0

2 60.52% 3.26% 2.71% 19.28% 0.0

3 48.80% 2.67% -1.20% 13.29% 0.0

4 47.95% 3.46% 8.18% 26.13% 0.0

5 41.92% 3.02% -20.91% 15.89% 0.0

6 43.79% 2.13% -4.70% 28.82% 1.0

7 42.63% 2.15% -25.48% 16.24% 1.2

8 48.87% 2.30% 7.87% 14.71% 0.0

9 49.57% 3.12% -1.94% 8.27% 1.0

10 50.46% 2.60% -3.56% 7.66% 0.0

11 36.90% 2.33% 0.74% 14.15% 1.0

12 65.76% 2.05% 37.47% 16.55% 0.0

Assets $5 to $10 Million

Rank Dividend Ave. Divid. Growth Ave 3-Yr. Share Share Acct/

Income Paid Share Bal Growth Member

1 36.04% 3.80% 13.91% 18.71% 1.2

2 56.87% 3.71% 36.69% 9.96% 1.0

3 47.11% 2.07% -3.01% 18.53% 1.4

4 38.16% 2.86% -1.67% 24.48% 1.4

5 46.81% 3.38% 3.00% 9.40% 1.1

6 57.87% 3.22% 10.33% 15.71% 0.0

7 54.11% 2.65% -1.86% 10.59% 0.0

8 58.72% 2.60% 0.61% 9.38% 0.0

9 32.28% 2.37% 5.37% 13.09% 1.3

10 52.78% 2.86% 5.75% 13.71% 0.0

11 43.68% 3.53% 7.32% 28.20% 0.0

12 43.76% 1.98% 4.49% 15.21% 0.0

Assets $10 to $20 Million

Rank Dividend Ave. Divid. Growth Ave 3-Yr. Share Share Acct/

Income Paid Share Bal Growth Member

1 58.18% 2.56% 5.37% 10.79% 2.3

2 45.71% 2.58% 5.83% 17.02% 1.4

3 43.77% 2.92% -5.72% 15.38% 1.4

4 45.32% 2.16% 6.19% 18.15% 1.4

5 35.32% 2.55% -5.47% 11.77% 1.6

6 39.40% 2.00% 2.97% 22.10% 1.5

7 34.66% 2.63% 5.30% 18.22% 1.5

8 43.21% 2.34% 22.59% 19.85% 1.3

9 43.59% 2.13% -1.68% 6.87% 1.9

10 44.23% 2.10% 7.29% 16.76% 1.4

11 57.06% 3.15% 1.84% 13.63% 1.2

12 78.09% 3.20% 1.45% 17.99% 1.1

Assets $20 to $50 Million

Rank Dividend Ave. Divid. Growth Ave 3-Yr. Share Share Acct/

Income Paid Share Bal Growth Member

1 45.89% 2.13% -6.65% 13.22% 2.1

2 36.16% 2.49% 18.36% 23.31% 1.7

3 33.14% 2.46% 12.27% 15.46% 1.8

4 48.88% 2.28% 2.84% 10.14% 1.8

5 34.70% 2.26% -2.81% 13.00% 1.9

6 50.38% 2.44% -2.14% 7.92% 1.8

7 37.13% 2.62% 0.88% 9.87% 1.7

8 58.37% 2.65% 14.52% 14.60% 1.5

9 33.92% 2.20% 6.20% 14.23% 1.7

10 28.86% 2.21% 2.11% 14.27% 1.7

11 54.18% 2.83% 13.07% 11.45% 1.5

12 33.61% 2.16% 9.56% 12.01% 1.6

Assets $50 to $100 Million

Rank Dividend Ave. Divid. Growth Ave 3-Yr. Share Share Acct/

Income Paid Share Bal Growth Member

1 38.87% 3.77% 6.89% 8.53% 2.3

2 30.51% 2.22% 15.36% 16.92% 2.0

3 53.64% 2.28% 0.89% 7.61% 2.2

4 54.24% 2.19% 7.19% 10.92% 1.7

5 53.85% 2.55% -4.52% 16.29% 1.5

6 38.35% 1.67% 5.14% 20.13% 2.0

7 39.43% 2.08% 10.95% 15.37% 1.6

8 34.14% 2.08% -1.01% 10.02% 1.8

9 30.29% 1.98% 7.71% 10.18% 2.0

10 43.97% 2.21% 6.31% 11.04% 1.6

11 32.33% 1.86% 79.73% 12.76% 2.2

12 53.87% 2.22% 5.31% 12.18% 1.5

Assets $100 to $250 Million

Rank Dividend Ave. Divid. Growth Ave 3-Yr. Share Share Acct/

Income Paid Share Bal Growth Member

1 55.47% 3.13% 23.32% 18.28% 1.8

2 52.31% 2.43% -4.45% 18.92% 1.8

3 34.46% 2.44% 6.45% 22.19% 1.9

4 60.49% 2.41% 5.35% 38.10% 1.7

5 75.87% 3.22% 7.55% 10.38% 1.8

6 46.07% 2.18% 4.16% 10.72% 1.9

7 73.95% 2.99% 1.34% 38.99% 1.6

8 53.30% 4.20% 19.88% 31.37% 1.5

9 41.72% 2.16% 3.74% 10.48% 2.0

10 47.13% 2.18% 1.68% 10.08% 1.9

11 42.09% 2.49% -1.51% 8.24% 2.0

12 86.50% 3.66% 10.79% 44.20% 1.5

Assets $250 Million to $1 Billion

Rank Dividend Ave. Divid. Growth Ave 3-Yr. Share Share Acct/

Income Paid Share Bal Growth Member

1 85.57% 2.79% -1.78% 17.63% 1.6

2 37.52% 2.26% 4.99% 12.77% 2.1

3 37.34% 2.07% 2.68% 11.37% 2.0

4 61.29% 2.49% -1.39% 102.21% 1.5

5 69.90% 3.20% 10.66% 11.96% 1.5

6 37.76% 2.15% 12.32% 13.78% 1.7

7 41.97% 2.62% 2.17% 9.52% 1.7

8 51.50% 2.43% 3.27% 12.26% 1.5

9 31.63% 2.14% 2.14% 11.46% 2.0

10 33.07% 2.05% 1.06% 10.96% 1.9

11 35.57% 2.09% 5.72% 9.93% 1.9

12 32.38% 1.99% 9.44% 16.72% 1.9

Assets More Than $1 Billion

Rank Dividend Ave. Divid. Growth Ave 3-Yr. Share Share Acct/

Income Paid Share Bal Growth Member

1 60.12% 2.72% 6.47% 13.70% 1.9

2 65.83% 2.86% 8.33% 12.93% 1.7

3 45.10% 2.72% 1.17% 17.59% 1.6

4 38.16% 2.33% -2.24% 9.93% 2.0

5 52.94% 2.22% 3.56% 7.91% 2.0

6 32.42% 2.21% 1.84% 11.37% 2.1

7 35.37% 2.17% 3.33% 13.18% 2.0

8 35.12% 1.84% 7.40% 18.68% 2.0

9 33.99% 1.82% 13.35% 17.25% 2.1

10 38.21% 2.29% 3.30% 8.00% 2.0

11 32.32% 2.37% 4.18% 25.21% 1.8

12 33.66% 2.01% 5.95% 12.20% 2.1

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