Stanford FCU ranked #1 most rewarding banking experience

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8/12/2026

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 a 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%	93.75%	87.50%	100%
2	Redwood Credit Union	93.33%	87.50%	93.75%	93.75%
3	Star One Credit Union	86.67%	100%	75%	87.50%
4	Monterra Credit Union	80%	68.75%	81.25%	81.25%
5	Provident Credit Union	73.33%	50%	100%	56.25%
6	CEFCU	66.67%	62.50%	43.75%	75%
7	Patelco Credit Union	60%	75%	37.50%	62.50%
8	Technology Credit Union	53.33%	81.25%	62.50%	6.25%
8	KeyPoint Credit Union	53.33%	37.50%	56.25%	50%
10	Meriwest Credit Union	46.67%	43.75%	68.75%	18.75%
11	Bay Federal Credit Union	40%	56.25%	18.75%	37.50%
12	Pacific Service Credit Union	33.33%	6.25%	25%	68.75%
13	San Francisco Federal Credit Union	26.67%	31.25%	50%	12.50%
14	Mirastar Federal Credit Union	20%	18.75%	31.25%	25%
15	The Police Credit Union of California	13.33%	25%	6.25%	43.75%
16	SF Fire Credit Union	6.67%	12.50%	12.50%	31.25%

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.

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