Credit unions talk often about putting members first. Callahan’s Return Of The Member (ROM) index is one way to see how consistently that promise shows up in the numbers.
ROM looks beyond growth, ROA, or efficiency in isolation and instead measures the value a credit union returns to members through pricing, product use, and engagement. Built from 5300 Call Report data and refined over decades, the metric captures how well a cooperative delivers for savers, borrowers, and active members.
Each year, Callahan updates this list to highlight credit unions that rise to the top of their peer groups on member value. The institutions featured here span asset sizes and markets, but they share a common trait: strong performance rooted in member relationships.
In an environment where tradeoffs between margin, growth, and service are unavoidable, ROM offers a clearer signal of how those decisions ultimately play out for members.
Don’t see your credit union? Find out where it ranks. Contact Callahan today for your score.
| Rank | Name | ROM Score | City | State | Assets |
|---|---|---|---|---|---|
| 1 | Summit | 100 | Madison | WI | $8,095,843,976 |
| 2 | Lake Michigan | 99.79 | Grand Rapids | MI | $15,952,719,108 |
| 3 | Veridian | 99.57 | Waterloo | IA | $8,607,531,879 |
| 4 | Michigan Schools and Government | 99.36 | Clinton Township | MI | $4,281,423,152 |
| 5 | Idaho Central | 99.14 | Chubbuck | ID | $14,759,060,354 |
| 6 | Community First | 98.93 | Appleton | WI | $6,370,358,954 |
| 7 | Empeople | 98.72 | Moline | IL | $2,279,827,115 |
| 8 | Firefighters First | 98.50 | Los Angeles | CA | $2,410,204,361 |
| 9 | CoVantage | 98.29 | Antigo | WI | $4,099,915,401 |
| 10 | Consumers | 98.07 | Oshtemo | MI | $2,690,268,564 |
| Rank | Name | ROM Score | City | State | Assets |
|---|---|---|---|---|---|
| 1 | PCM | 100 | Green Bay | WI | $500,951,291 |
| 2 | Co-op | 99.65 | Black River Falls | WI | $601,424,382 |
| 3 | Corda | 99.29 | Cedar Rapids | IA | $726,261,542 |
| 4 | Alpena Alcona Area | 98.94 | Alpena | MI | $930,815,734 |
| 5 | Capital | 98.58 | Bismarck | ND | $889,582,855 |
| 6 | Simplicity | 98.23 | Marshfield | WI | $531,824,054 |
| 7 | BrightStar | 97.87 | Fort Lauderdale | FL | $992,659,856 |
| 8 | Innovations Financial | 97.52 | Panama City | FL | $651,900,561 |
| 9 | Bellwether Community | 97.16 | Manchester | NH | $658,018,507 |
| 10 | Emblem | 96.81 | Gadsden | AL | $597,088,942 |
| Rank | Name | ROM Score | City | State | Assets |
|---|---|---|---|---|---|
| 1 | Assemblies Of God | 100 | Springfield | MO | $440,710,495 |
| 2 | Premier | 99.74 | Des Moines | IA | $374,395,936 |
| 3 | Top Tier | 99.49 | Clarion | PA | $253,970,271 |
| 4 | MECE | 99.23 | Jefferson City | MO | $366,321,830 |
| 5 | Acadia | 98.98 | Fort Kent | ME | $399,390,838 |
| 6 | Dirigo | 98.72 | Lewiston | ME | $472,667,713 |
| 7 | Synergy | 98.47 | San Antonio | TX | $319,548,765 |
| 8 | Peninsula | 98.21 | Escanaba | MI | $352,483,576 |
| 9 | Blue Eagle | 97.95 | Roanoke | VA | $260,700,206 |
| 10 | IAA | 97.70 | Bloomington | IL | $403,034,722 |
| Rank | Name | ROM Score | City | State | Assets |
|---|---|---|---|---|---|
| 1 | Utica Gas & Electric Emp | 100 | New Hartford | NY | $131,188,323 |
| 2 | Cedar Falls Community | 99.85 | Cedar Falls | IA | $233,916,231 |
| 3 | Sentry | 99.70 | Stevens Point | WI | $161,973,135 |
| 4 | Safe Harbor | 99.56 | Ludington | MI | $182,191,554 |
| 5 | SRI | 99.41 | Menlo Park | CA | $236,484,538 |
| 6 | Lincoln Maine | 99.26 | Lincoln | ME | $147,444,404 |
| 7 | Minnesota Power Employees | 99.11 | Duluth | MN | $158,862,997 |
| 8 | Aspen | 98.97 | Rapid City | SD | $164,468,784 |
| 9 | Gas and Electric | 98.82 | Rock Island | IL | $128,031,294 |
| 10 | Miami Firefighters | 98.67 | Miami | FL | $183,659,713 |
| Rank | Name | ROM Score | City | State | Assets |
|---|---|---|---|---|---|
| 1 | South Bend Firefighters | 100 | South Bend | IN | $63,343,792 |
| 2 | Evergreen | 99.83 | Neenah | WI | $64,537,439 |
| 3 | Moline Municipal | 99.66 | Moline | IL | $66,643,071 |
| 4 | United Poles | 99.49 | Perth Amboy | NJ | $70,392,451 |
| 5 | Jack Daniel Employees’ | 99.32 | Lynchburg | TN | $53,715,354 |
| 6 | Limestone Financial | 99.14 | Manistique | MI | $80,017,805 |
| 7 | Education 1st | 98.97 | Ogden | UT | $73,855,626 |
| 8 | Firefighters | 98.80 | Draper | UT | $69,040,084 |
| 9 | Windthorst | 98.63 | Windthorst | TX | $97,230,370 |
| 10 | Kings Peak | 98.46 | Roosevelt | UT | $65,708,165 |
| Rank | Name | ROM Score | City | State | Assets |
|---|---|---|---|---|---|
| 1 | Geismar Complex | 100 | Geismar | LA | $42,805,283 |
| 2 | Materion | 99.86 | Elmore | OH | $35,968,916 |
| 3 | Montana Educators | 99.73 | Missoula | MT | $34,334,525 |
| 4 | State Civil Service Employees | 99.59 | Watertown | NY | $46,450,445 |
| 5 | CT Firefighters | 99.45 | Hartford | CT | $33,281,534 |
| 6 | Central Susquehanna Community | 99.32 | Danville | PA | $36,267,292 |
| 7 | Milestones | 99.18 | Lewiston | ME | $35,322,673 |
| 8 | Marathon County Employees | 99.05 | Wausau | WI | $45,108,409 |
| 9 | Ripple | 98.91 | Oshkosh | WI | $36,274,860 |
| 10 | O & R Utilities Employees | 98.77 | Monroe | NY | $33,227,207 |
| Rank | Name | ROM Score | City | State | Assets |
|---|---|---|---|---|---|
| 1 | M.E. Employees | 100 | Wausau | WI | $18,388,604 |
| 2 | Mower County Employees | 99.75 | Austin | MN | $13,417,490 |
| 3 | Snake River | 99.49 | Twin Falls | ID | $12,548,052 |
| 4 | New Castle Bellco | 99.24 | New Castle | PA | $14,439,766 |
| 5 | Dertown School | 98.99 | Latrobe | PA | $12,340,129 |
| 6 | Lithium | 98.74 | Bessemer City | NC | $16,008,481 |
| 7 | Power One | 98.48 | Fort Wayne | IN | $18,231,546 |
| 8 | Sorg Bay West | 98.23 | Middletown | OH | $11,526,055 |
| 9 | Scott Associates | 97.98 | Marysville | OH | $15,508,770 |
| 10 | Patriot | 97.73 | Oakville | MO | $16,624,191 |