Side-by-side · Q2 2026 data
Downriver Community Federal Credit Union vs Journey Federal Credit Union
Credit union
Downriver Community Federal Credit Union
Ecorse, Michigan · $100 million – $1 billion
Metric by metric
| Measure | Downriver Community Federal Credit Union | Journey Federal Credit Union |
|---|---|---|
| TellerScore | 70 (stronger) | 68 |
| Capital cushion | 55 (stronger) | 52 |
| Loan quality | 83 (stronger) | 77 |
| Earnings | 40 | 47 (stronger) |
| Funding & liquidity | 100 (stronger) | 96 |
| Problem-loan coverage | 96 (stronger) | 92 |
| Peer percentile | 51st | 45th |
| Total assets | $193.2M | $186.5M |
| Deposits / shares | $180.8M | $165.9M |
| Capital ratio | 10.54% (stronger) | 10.20% |
| Problem loans | 0.52% (stronger) | 0.68% |
| Net charge-offs | 0.53% | 0.32% (stronger) |
| Return on assets | 0.49% | 0.68% (stronger) |
| Loans ÷ deposits | 43.2% (stronger) | 63.8% |
| Uninsured deposits | 3.6% | 2.8% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Downriver Community Federal Credit Union has the higher TellerScore (70 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Downriver Community Federal Credit Union leads on 4 and Journey Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.