In this week's installment
on Return of the Member, we're highlighting the Top 10 credit unions in three
peer groups on their Return to the Saver (ROS) score. Below are the leaders
among the largest credit unions in the United States in ROS. Click here to see
the other two peer groups and a description of how we calculate Return to the
The Return of the Member index
includes three components: Return to the Savers, Return to the Borrowers, and
Member Service Usage. In the last two weeks, we profiled the top credit unions
in overall Return of the
Member and Member Service
Usage Leaders. This week, we look at Return to Savers which measures how
well a credit union is providing savings services to its members. This part
of the index is more than just the average dividend paid, although that is included.
The five factors and weights for Return to the Savers are:
- Dividends / Income (30%)--
What portion of income does a credit union pay back to its members?
- Average Dividends Paid (30%)--
What is the average dividend at the credit union?
- Average Share Balance Per
Member (15%) -- How much do members participate in credit union savings?
- Compound Three Year Share
Growth (15%)-- What is the member response to savings offerings over the last
- Number of Share Accounts
Per Member (10%) -- Does the credit union offer a wide variety of services?