We're proud to share that Stanford FCU was ranked #1 in Return of the Member (ROM) by Callahan & Associates, a leading credit union research and analytics firm. Among a peer group of 15 Bay Area credit unions, Stanford FCU delivered the highest overall value to members, reflecting our ongoing commitment to helping members get more from their money. That commitment extends beyond products and services, with an NPS member satisfaction score of 80.4, far exceeding the banking industry average of 34.
See how Stanford FCU compares
|
Rank
|
Credit Union
|
Total ROM Score
|
Return To Savers
|
Return To Borrowers
|
Member Service Usage
|
|---|---|---|---|---|---|
| 1 | Stanford Federal Credit Union | 100% | 93.33% | 93.33% | 100% |
| 2 | Redwood Credit Union | 93.75% | 86.67% | 86.67% | 93.75% |
| 3 | Star One Credit Union | 87.50% | 100% | 80% | 87.50% |
| 4 | Monterra Credit Union | 81.25% | 66.67% | 80% | 81.25% |
| 5 | Provident Credit Union | 75% | 53.33% | 100% | 56.25% |
| 6 | CEFCU | 68.75% | 73.33% | 53.33% | 75% |
| 7 | Patelco Credit Union | 62.50% | 66.67% | 40% | 62.50% |
| 8 | KeyPoint Credit Union | 56.25% | 33.33% | 73.33% | 43.75% |
| 9 | Technology Credit Union | 50.00% | 80.00% | 46.67% | 6.25% |
| 10 | Meriwest Credit Union | 43.75% | 46.67% | 66.67% | 12.50% |
| 11 | Bay Federal Credit Union | 37.50% | 60.00% | 26.67% | 37.50% |
| 12 | San Francisco Federal Credit Union | 31.25% | 40% | 60% | 18.75% |
| 13 | Pacific Service Credit Union | 25% | 6.67% | 33.33% | 68.75% |
| 14 | The Police Credit Union of California | 18.75% | 20% | 6.67% | 50% |
| 15 | Mirastar Federal Credit Union | 12.50% | 26.67% | 20% | 25% |
| 16 | SF Fire Credit Union | 6.25% | 13.33% | 13.33% | 31.25% |
Data collected on 6/30/26
What is Return of the Member?
Most financial institutions are measured by traditional metrics like profits or growth. The Return of the Member (ROM) score looks at things differently.
Created by Callahan & Associates, the ROM Index evaluates how much value a credit union returns to its members through products, services, rates, and overall member benefits.
It looks at three key areas:
- How well a credit union rewards savers
- How much value borrowers receive
- How members use and benefit from available services
Together, these factors show how well a credit union serves its members.
Why this matters
As a credit union, we're owned by our members, not shareholders. That allows us to focus on creating value for the people who bank with us.
That value can take many forms, including:
- Competitive deposit rates and loans rates
- Fewer and lower fees
- Rewarding credit cards
- Convenient Digital Banking tools
- Personalized service and financial guidance
This recognition reflects our ongoing commitment to delivering meaningful value at every stage of our members' financial journey, whether they're saving for the future, buying a home, financing a vehicle, or simply managing day-to-day finances.
It's also a testament to the trust our members place in us and the dedication of our employees who work hard every day to deliver an exceptional experience.
We'll continue looking for ways to deliver even more value because helping our members thrive will always be our top priority.
If you’re looking for a smart strategy to get a higher rate of return while keeping your emergency fund or excess cash available, consider this idea to put your savings into tiers based on your needs over the next 12 months.
- Stanford FCU ranked #1 most rewarding banking experience
- Social Security Webinar – Claiming Decisions to Maximize Benefits
- Fraud Prevention Webinar
- Finding Your Home - Features to Consider
- 4 Types of Insurance for Homeowners
- The Mortgage Process
- The Home Buying Process
- Home Features That Can Save You Money
- Home Loan Options
- Making Your Offer On The Perfect Home
- The Seller Said Yes - What Happens When Your Home Loan Offer is Accepted
- Teens & Young Adults Are 3X More Likely to Fall for Scams
- Identity Theft
- Common Scams
- Computer Security
- Debit and Credit Card Security
- Nice Try Scammer That's My Card
- 5 Quick Tips to Avoid Fraud
- Home Equity Line of Credit (HELOC) FAQs From the Federal Trade Commission
- How to Avoid a Scam
- How to Protect Seniors Against Cybercrimes
- I Wish I'd Known Homebuying Advice
- Money Saving Vacation Tips
- 13 Most Common Scams
- 20 Credit Card Tips
- 8 Financial Tips for Young Adults
- A smart way to maximize your deposit yield
- Building Credit in the US
- Deposit Insurance Protects Your Savings
- Choosing a Savings Account That's Right for You
- Phishing How to Avoid the Hook
- What is a FICO<sup>®</sup> score?
- What's a Certificate and Why You Need One
- What to Know About Cryptocurrency and Scams
- Getting Started with Investing