Side-by-side · Q2 2026 data
ITS Bank vs Journey Credit Union
Metric by metric
| Measure | ITS Bank | Journey Credit Union |
|---|---|---|
| TellerScore | 98 (stronger) | 85 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 63 |
| Earnings | 100 (stronger) | 82 |
| Funding & liquidity | 84 | 90 (stronger) |
| Problem-loan coverage | 100 (stronger) | 92 |
| Peer percentile | 99th | 77th |
| Total assets | $45.2M | $97.6M |
| Deposits / shares | $500K | $80.4M |
| Capital ratio | 97.51% (stronger) | 16.86% |
| Problem loans | 0.00% (stronger) | 1.11% |
| Net charge-offs | 0.00% (stronger) | 0.64% |
| Return on assets | 61.63% (stronger) | 1.56% |
| Loans ÷ deposits | 0.0% (stronger) | 70.6% |
| Uninsured deposits | 30.0% | 9.0% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.8% |
ITS Bank has the higher TellerScore (98 vs 85). On the 7 directional measures above (where higher or lower is clearly better), ITS Bank leads on 6 and Journey Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.