Callahan & Associates’ Return Of The Member (ROM) index offers a comprehensive view of the value of membership. The credit union member value calculation weighs three core credit union functions — savings, lending, and product usage — by taking into consideration aspects such as loan and deposit rates, the number of products and services offered, and member participation.
Credit unions across the country use their ROM score to support member-facing goals, hold staff accountable to better serve members, and demonstrate their impact on the communities they serve. ROM is a quantitative way for credit unions to show off the cooperative difference and demonstrate credit union member value.
Take a look at the top 10 credit unions in each asset range to see which ones made the leader board. If you don’t see your credit union and want to know where it ranks, contact Callahan today for your score.
LEADERS IN ROM SCORE
FOR U.S. CREDIT UNIONS | DATA AS OF 12.31.24
SOURCE: Callahan & Associates
$10M-$20M
$20M-$50M
$50M-$100M
$100M-$250M
$250M-$500M
$500M-$1B
$1B
| Rank | Name | City | State | Total Assets | ROM Score |
|---|---|---|---|---|---|
| 1 | M.E. Employees | Wausau | WI | $17,894,958 | 100 |
| 2 | Sorg Bay West | Middletown> | OH | $11,308,763 | 99.78 |
| 3 | Dertown School | Latrobe> | PA | $12,003,557 | 99.55 |
| 4 | Lithium | Bessemer City | NC | $14,853,606 | 99.33 |
| 5 | Mower County Employees | Austin | MN | $12,055,331 | 99.11 |
| 6 | Snake River | Twin Falls | ID | $11,652,524 | 98.89 |
| 7 | Parthenon | Nashville | TN | $18,625,606 | 98.66 |
| 8 | Northern Valley | Grand Forks | ND | $19,167,184 | 98.44 |
| 9 | Fayette Federal Employees | Uniontown | PA | $17,276,060 | 98.22 |
| 10 | Spokane Media | Spokane | WA | $17,129,564 | 98.00 |
| Rank | Name | City | State | Total Assets | ROM Score |
|---|---|---|---|---|---|
| 1 | Marathon County Employees | Wausau | WI | $42,464,911 | 100 |
| 2 | Special Metals | New Hartford | NY | $20,482,302 | 99.87 |
| 3 | State Civil Service Employees | Watertown | NY | $40,192,214 | 99.73 |
| 4 | Materion | Elmore | OH | $31,105,055 | 99.60 |
| 5 | Family Focus | Omaha | NE | $43,657,804 | 99.47 |
| 6 | Valex | Alexandria | LA | $42,833,308 | 99.33 |
| 7 | Ripple | Oshkosh | WI | $35,727,612 | 99.20 |
| 8 | New Horizon | Barberton | OH | $37,394,813 | 99.07 |
| 9 | O & R Utilities Employees | Monroe | NY | $29,796,088 | 98.93 |
| 10 | FedTrust | Memphis | TN | $49,786,329 | 98.80 |
| Rank | Name | City | State | Total Assets | ROM Score |
|---|---|---|---|---|---|
| 1 | United Poles | Perth Amboy | NJ | $65,704,478 | 100 |
| 2 | Education 1st | Ogden | UT | $53,497,990 | 99.84 |
| 3 | Jack Daniel Employees’ | Lynchburg | TN | $51,347,916 | 99.68 |
| 4 | Limestone | Manistique | MI | $75,279,267 | 99.52 |
| 5 | Sunset Science Park | Portland | OR | $89,614,837 | 99.36 |
| 6 | Windthorst | Windthorst | TX | $90,471,929 | 99.20 |
| 7 | South Bend Firefighters | South Bend | IN | $58,248,968 | 99.04 |
| 8 | Firefighters | Salt Lake City | UT | $61,629,716 | 98.88 |
| 9 | Gundersen | La Crosse | WI | $60,805,466 | 98.72 |
| 10 | Kings Peak | Roosevelt | UT | $56,140,933 | 98.56 |
| Rank | Name | City | State | Total Assets | ROM Score |
|---|---|---|---|---|---|
| 1 | SRI | Menlo Park | CA | $227,868,482 | 100 |
| 2 | Utica Gas & Electric Employees | New Hartford> | NY | $116,858,704 | 99.86 |
| 3 | Sentry | Stevens Point | WI | $143,349,770 | 99.71 |
| 4 | Cedar Falls Community | Cedar Falls | IA | $211,765,285 | 99.57 |
| 5 | Safe Harbor | Ludington | MI | $172,313,288 | 99.43 |
| 6 | Lincoln Maine | Lincoln | ME | $131,276,056 | 99.29 |
| 7 | Saco Valley | Saco | ME | $182,747,094 | 99.14 |
| 8 | Aspen | Rapid City | SD | $145,462,445 | 99.00 |
| 9 | GECU | La Crosse | WI | $111,382,801 | 98.86 |
| 10 | Miami Firefighters | Miami | FL | $180,199,621 | 98.72 |
| Rank | Name | City | State | Total Assets | ROM Score |
|---|---|---|---|---|---|
| 1 | PCM | Green Bay | WI | $468,092,393 | 100 |
| 2 | Assemblies of God | Springfield | MO | $438,610,019 | 99.74 |
| 3 | MECE | Jefferson City | MO | $327,886,716 | 99.48 |
| 4 | Peninsula | Escanaba | MI | $328,893,213 | 99.21 |
| 5 | Dirigo | Lewiston | ME | $436,044,311 | 98.95 |
| 6 | Library of Congress | Washington | DC | $331,743,771 | 98.69 |
| 7 | Benchmark | West Chester | PA | $305,639,606 | 98.43 |
| 8 | Acadia | Fort Kent | ME | $3659,403,734 | 98.17 |
| 9 | 1st Community | Sparta | WI | $266,549,608 | 97.91 |
| 10 | Everence | Lancaster | PA | $440,762,057 | 97.64 |
| Rank | Name | City | State | Total Assets | ROM Score |
|---|---|---|---|---|---|
| 1 | Co-Op | Black River Falls | WI | $571,744,845 | 100 |
| 2 | Superior Choice | Superior | WI | $769,806,721 | 99.65 |
| 3 | Ukrainian Selfreliance | Feasterville | PA | $533,290,073 | 99.31 |
| 4 | Alpena Alcona Area | Alpena | MI | $861,392,450 | 98.96 |
| 5 | Corda | Cedar Rapids | IA | $686,675,853 | 98.62 |
| 6 | Day Air | Kettering | OH | $819,268,623 | 98.27 |
| 7 | Westby Co-op | Westby | WI | $948,639,606 | 97.92 |
| 8 | Innovations Financial | Panama City | FL | $615,037,932 | 97.58 |
| 9 | Beehive | Rexburg | ID | $604,239,786 | 97.23 |
| 10 | Heartland | Hutchinson | KS | $643,764,491 | 96.89 |
| Rank | Name | City | State | Total Assets | ROM Score |
|---|---|---|---|---|---|
| 1 | Summit | Madison | WI | $7,458,311,100 | 100 |
| 2 | Empeople | Moline | WI | $2,246,287,693 | 99.78 |
| 3 | Veridian | Waterloo | IA | $7,960,128,611 | 99.56 |
| 4 | Lake Michigan | Grand Rapids | MI | $14,527,369,395 | 99.34 |
| 5 | Michigan Schools and Government | Clinton Township | MI | $3,895,082,533 | 99.12 |
| 6 | CoVantage | Antigo | WI | $3,725,346,803 | 98.89 |
| 7 | Eastman | Kingsport | TN | $9,097,283,047 | 98.67 |
| 8 | Idaho Central | Chubbuck | ID | $12,120,188,554 | 98.45 |
| 9 | Stanford | Palo Alto | CA | $4,331,816,368 | 98.23 |
| 10 | Logix | Valencia | CA | $9,726,331,677 | 98.01 |