Human-Grounded Calibration for Long-Text Image-Text Congruence in Vision-Language Models

Long-text image--text congruence scoring is increasingly important for vision-language systems that must evaluate whether detailed textual descriptions match visual content. However, raw similarity scores from dual-encoder models are difficult to interpret as calibrated congruence measures, especially under the modality gap between image and text embeddings. This paper proposes Congruency Score (CS), a lightweight calibration layer that maps image--text similarity evidence into a bounded score. Using DOCCI and Urban1k, we evaluate four frozen vision-language backbones and show that observed reductions in post-projection centroid distance do not uniformly improve image--text retrieval performance. Human-grounded evaluations on DOCCI further reveal a trade-off: direct post-hoc calibration preserves high association with human judgments, whereas selected projection-based configurations can reduce threshold-relevant slope and intercept distortions at the cost of retrieval performance and association strength. These results establish long-text image--text congruence scoring as a calibrated score-estimation problem, where retrieval performance, human association, and threshold calibration must be evaluated as distinct objectives. CS provides a lightweight way to expose and operationalize this separation.