Side-by-side · Q2 2026 data
City State Bank vs Journey Credit Union
Metric by metric
| Measure | City State Bank | Journey Credit Union |
|---|---|---|
| TellerScore | 72 | 85 (stronger) |
| Capital cushion | 44 | 100 (stronger) |
| Loan quality | 91 (stronger) | 63 |
| Earnings | 94 (stronger) | 82 |
| Funding & liquidity | 54 | 90 (stronger) |
| Problem-loan coverage | 96 (stronger) | 92 |
| Peer percentile | 50th | 77th |
| Total assets | $787.9M | $97.6M |
| Deposits / shares | $693.2M | $80.4M |
| Capital ratio | 9.37% | 16.86% (stronger) |
| Problem loans | 0.27% (stronger) | 1.11% |
| Net charge-offs | 0.03% (stronger) | 0.64% |
| Return on assets | 1.84% (stronger) | 1.56% |
| Loans ÷ deposits | 85.5% | 70.6% (stronger) |
| Uninsured deposits | 33.9% | 9.0% (stronger) |
| Offices | 8 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.8% |
Journey Credit Union has the higher TellerScore (85 vs 72). On the 7 directional measures above (where higher or lower is clearly better), City State Bank leads on 3 and Journey Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.