Side-by-side · Q2 2026 data
American State Bank vs Journey Credit Union
Metric by metric
| Measure | American State Bank | Journey Credit Union |
|---|---|---|
| TellerScore | 83 | 85 (stronger) |
| Capital cushion | 61 | 100 (stronger) |
| Loan quality | 99 (stronger) | 63 |
| Earnings | 100 (stronger) | 82 |
| Funding & liquidity | 64 | 90 (stronger) |
| Problem-loan coverage | 100 (stronger) | 92 |
| Peer percentile | 84th | 77th |
| Total assets | $360.8M | $97.6M |
| Deposits / shares | $282.8M | $80.4M |
| Capital ratio | 11.11% | 16.86% (stronger) |
| Problem loans | 0.04% (stronger) | 1.11% |
| Net charge-offs | 0.03% (stronger) | 0.64% |
| Return on assets | 2.18% (stronger) | 1.56% |
| Loans ÷ deposits | 87.1% | 70.6% (stronger) |
| Uninsured deposits | 23.0% | 9.0% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.1% | 4.8% |
Journey Credit Union has the higher TellerScore (85 vs 83). On the 7 directional measures above (where higher or lower is clearly better), American State Bank leads on 3 and Journey Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.