Credit unions are known for delivering exceptional value to their members through competitive products, personalized services, and meaningful community engagement. Measuring that value, however, is a complex challenge. Over 20 years ago, Callahan & Associates developed the Return of the Member (ROM) calculation to provide a comprehensive assessment of member value. ROM evaluates three core credit union functions:
- Return to Savers – The value provided through savings rates and dividends.
- Return to Borrowers – The benefits offered through loan rates and fees.
- Member Participation – The extent of member engagement across products and services.
In 2024, SRI Federal Credit Union has achieved remarkable recognition:
- #1 Credit Union in California out of 252 credit unions statewide.
- #1 in the United States within our asset class ($100–$250 million in assets), out of 696 credit unions.
- #3 nationally (Up from #5) among all 4,509 credit unions in the U.S.
This is a truly extraordinary accomplishment and reflects the incredible value we deliver to our members. A Senior Advisor at Callahan & Associates highlighted that ranking 5th nationally is a monumental achievement. It underscores the unparalleled benefits our members receive and the credit union’s commitment to excellence.
A Team Effort
This success wouldn’t be possible without the dedication of our incredible staff, who work tirelessly to ensure our members have access to outstanding financial products and services. We also extend our gratitude to our Asset Liability Committee, which has helped maintain high dividends, and to our Board of Directors and Supervisory Committee, whose leadership supports innovative products that keep our members satisfied.
As a member of SRI Federal Credit Union, you can be proud to be part of one of the nation’s top credit unions. Thank you for trusting us with your financial journey, and we remain committed to delivering even greater value in the years to come!
