Side-by-side · Q2 2026 data
Iowa State Bank vs Journey Credit Union
Metric by metric
| Measure | Iowa State Bank | Journey Credit Union |
|---|---|---|
| TellerScore | 95 (stronger) | 85 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 63 |
| Earnings | 90 (stronger) | 82 |
| Funding & liquidity | 77 | 90 (stronger) |
| Problem-loan coverage | 100 (stronger) | 92 |
| Peer percentile | 99th | 77th |
| Total assets | $480.5M | $97.6M |
| Deposits / shares | $392.0M | $80.4M |
| Capital ratio | 15.92% | 16.86% (stronger) |
| Problem loans | 0.00% (stronger) | 1.11% |
| Net charge-offs | 0.00% (stronger) | 0.64% |
| Return on assets | 1.76% (stronger) | 1.56% |
| Loans ÷ deposits | 70.0% (stronger) | 70.6% |
| Uninsured deposits | 27.0% | 9.0% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.4% | 4.8% |
Iowa State Bank has the higher TellerScore (95 vs 85). On the 7 directional measures above (where higher or lower is clearly better), Iowa State Bank leads on 5 and Journey Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.