Side-by-side · Q2 2026 data
First Class Community Credit Union vs Journey Credit Union
Credit union
First Class Community Credit Union
West Des Moines, Iowa · Under $100 million in assets
Metric by metric
| Measure | First Class Community Credit Union | Journey Credit Union |
|---|---|---|
| TellerScore | 78 | 85 (stronger) |
| Capital cushion | 58 | 100 (stronger) |
| Loan quality | 88 (stronger) | 63 |
| Earnings | 69 | 82 (stronger) |
| Funding & liquidity | 100 (stronger) | 90 |
| Problem-loan coverage | 97 (stronger) | 92 |
| Peer percentile | 59th | 77th |
| Total assets | $95.8M | $97.6M |
| Deposits / shares | $85.7M | $80.4M |
| Capital ratio | 10.79% | 16.86% (stronger) |
| Problem loans | 0.37% (stronger) | 1.11% |
| Net charge-offs | 0.29% (stronger) | 0.64% |
| Return on assets | 1.22% | 1.56% (stronger) |
| Loans ÷ deposits | 42.2% (stronger) | 70.6% |
| Uninsured deposits | 2.5% (stronger) | 9.0% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 35.3% | 4.8% |
Journey Credit Union has the higher TellerScore (85 vs 78). On the 7 directional measures above (where higher or lower is clearly better), First Class Community Credit Union leads on 4 and Journey Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.