5 Graphs That Show Where Smaller Credit Unions Outperform Larger Ones

Not all credit unions need economies of scale to make a big impact.
Janet Lee

ROM Leaders Among Small Credit Unions
For all U.S. credit unions with <$50M in assets | Data as of December 31, 2013
Callahan & Associates | www.creditunions.com

Rank Credit Union State Assets Return To Savers (%) Return To Borrowers (%) Member Service Usage (%) Total ROM Score (%)
1 Affinity First ND $48,007,430 99.43 99.75 98.98 100.00
2 Credit Union of Vermont VT $33,369,126 99.25 98.84 99.91 99.98
3 Des Moines Police Officers IA $42,450,094 99.14 98.46 99.98 99.95
4 Energen AL $27,328,335 98.94 99.37 99.14 99.93
5 Limestone MI $39,707,752 99.23 98.71 98.96 99.91
6 Jack Daniel Employees TN $24,302,843 98.51 97.03 99.75 99.89
7 Capitol View IA $30,181,117 96.85 98.93 98.94 99.86
8 Firefighters UT $31,839,126 98.05 97.12 99.66 99.84
9 Materion OH $16,431,720 95.74 98.75 99.55 99.82
10 Lamoure ND $25,217,094 97.40 99.77 94.59 99.80

* Note: The average asset size for the top 10 ROM leaders for credit unions with less than $50 million in assets is $31.9 million as of December 31, 2013.

Source: Callahan & AssociatesPeer-to-Peer Analytics

Product Penetration At Small Versus Large ROM Leaders
For all U.S. credit unions <$50M and>$1B in assets | Data as of December 31, 2013
Callahan & Associates | www.creditunions.com

Source: Callahan & Associates Peer-to-Peer Analytics

Operating Expense Per Member By Asset-Based Peer Group
For all U.S. credit unions | Data as of December 31, 2013
Callahan & Associates | www.creditunions.com

Source: Callahan & Associates Peer-to-Peer Analytics

Net Worth Ratio By Asset-Based Peer Group
For all U.S. credit unions | Data as of December 31, 2013
Callahan & Associates | www.creditunions.com

Net Worth Ratio

Source: Callahan & Associates Peer-to-Peer Analytics

YTD Loan Originations Per Employee At Credit Unions With A Narrower Versus A Broader FOM
For all U.S. credit unions between $100M-$1B in assets | Data as of December 31, 2013
Callahan & Associates | www.creditunions.com

Source: Callahan & Associates Peer-to-Peer Analytics

May 26, 2014

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