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
