Credit unions are all about giving back to their members, whether it’s through competitive rates, personalized service, or community involvement. But how is value that value measured? That’s where the Return of the Member (ROM) calculation comes in.
Over 20 years ago, Callahan & Associates developed ROM to gauge how well credit unions deliver value. ROM looks at three key areas:
- Return to Savers: How much value we provide through savings rates and dividends.
- Return to Borrowers: The benefits our members get from loan rates and fees.
- Member Participation: How actively members use our products and services.
How Does ROM Work?
ROM scores measure a credit union’s value compared to its peers by analyzing 18 metrics across those three main areas. The Return to Savers category considers things like dividends paid, average dividends, share balance growth, and the number of share accounts per member. The Return to Borrowers category looks at factors such as loan yield, loan growth, and how many loans we originate per member. Finally, the Member Service Usage category measures engagement through things like auto loan penetration, credit card usage, and member growth.
These metrics are compared to other credit unions, and the results are combined to create a final ROM percentile ranking. A score of 100 means a credit union is leading the way in delivering member value.
Our Remarkable Achievement
As of the first quarter of 2025, we’re proud to say that SRI Federal Credit Union is:
- #1 nationally among all 4,460 credit unions in the U.S.
This recognition is a huge accomplishment, and it truly reflects the effort and dedication of our entire team. We work hard every day to make sure our members have access to the best financial products and services, and we couldn’t be prouder to receive this honor.
A Team Effort
This success wouldn’t have been possible without our hardworking staff, our Asset Liability Committee that helps maintain competitive dividends, and our Board of Directors and Supervisory Committee for their ongoing support. We’re grateful for their dedication and commitment to serving you.
Thank You for Your Trust
We’re honored to be your financial partner and to continue providing you with the best value in the nation. Thank you for being part of the SRI Federal Credit Union family. We look forward to serving you with the same passion and dedication in the years to come!
