See How Your Credit Union’s Member Value Score Ranks Against Peers

What Is The ROM Index?


Created by industry experts at Callahan & Associates, this scoring formula helps leaders gain insights and context to build stable, enduring institutions while maximizing member impact.


Using data from the quarterly 5300 Call Report, ROM enables credit unions to quantify member value in ways that go beyond standard financial metrics or the NCUA’s CAMELS scoring system. This formula is designed to supplement, not replace, these traditional measures.

While monitoring traditional financial performance data is important for ensuring a sustainable and functioning institution, the people you serve are more than just numbers — they are your purpose.

Through Callahan’s Return of the Member (ROM) Index, we’ll help you assess the value a member derives from being part of your credit union, comparing it to relevant peer groups across three main areas:
  • Return to Savers.
  • Return to Borrowers.
  • Member Service Usage.
By understanding which key metrics best illustrate member value, your credit union can redefine how it benchmarks success.

Let’s schedule a time to analyze your score against two or three peer groups of your choosing. Our credit union advisors will walk you through the analysis and, at the end, provide a copy for you to keep and share with your team — free of charge.

Want to learn more about ROM? Keep reading below ↓

Lets Review Your ROM Score:

Learn How Credit Unions Like Inova And PCM Credit Union Are Using ROM

 

Download our comprehensive guide to learn more about the history of ROM, how it’s calculated, and how you can leverage it to achieve your institution’s goals.

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How Your Credit Union Can Take Action With ROM

Drive Strategic Decision-Making

Use insights to inform strategic initiatives aimed at enhancing member satisfaction, loyalty, and overall financial health.

Benchmark Your Performance

Compare your performance against industry peers to demonstrate impact and identify areas for improvement.

Leverage For Marketing

Use your ROM score in marketing to demonstrate your commitment to member value and attract new members.

Unify Staff Around A Shared Metric

Educate staff on ROM to align efforts in enhancing member value and foster collaboration