Side-by-side · Q2 2026 data
Affinity Credit Union vs Journey Credit Union
Metric by metric
| Measure | Affinity Credit Union | Journey Credit Union |
|---|---|---|
| TellerScore | 74 | 85 (stronger) |
| Capital cushion | 72 | 100 (stronger) |
| Loan quality | 88 (stronger) | 63 |
| Earnings | 46 | 82 (stronger) |
| Funding & liquidity | 78 | 90 (stronger) |
| Problem-loan coverage | 96 (stronger) | 92 |
| Peer percentile | 63rd | 77th |
| Total assets | $154.3M | $97.6M |
| Deposits / shares | $133.8M | $80.4M |
| Capital ratio | 12.15% | 16.86% (stronger) |
| Problem loans | 0.35% (stronger) | 1.11% |
| Net charge-offs | 0.57% (stronger) | 0.64% |
| Return on assets | 0.65% | 1.56% (stronger) |
| Loans ÷ deposits | 81.9% | 70.6% (stronger) |
| Uninsured deposits | 7.2% (stronger) | 9.0% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.4% | 4.8% |
Journey Credit Union has the higher TellerScore (85 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Affinity Credit Union leads on 3 and Journey Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.