Side-by-side · Q2 2026 data
Journey Bank vs Central Keystone Federal Credit Union
Credit union
Central Keystone Federal Credit Union
Sunbury, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Journey Bank | Central Keystone Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 87 (stronger) |
| Capital cushion | 52 | 100 (stronger) |
| Loan quality | 75 | 76 (stronger) |
| Earnings | 88 (stronger) | 68 |
| Funding & liquidity | 63 | 100 (stronger) |
| Problem-loan coverage | 91 | 97 (stronger) |
| Peer percentile | 63rd | 83rd |
| Total assets | $1.7B | $63.8M |
| Deposits / shares | $1.4B | $51.3M |
| Capital ratio | 10.22% | 18.82% (stronger) |
| Problem loans | 0.74% | 0.72% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.17% |
| Return on assets | 1.69% (stronger) | 1.20% |
| Loans ÷ deposits | 83.5% | 51.6% (stronger) |
| Uninsured deposits | 27.7% | 6.7% (stronger) |
| Offices | 18 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.5% | — |
Central Keystone Federal Credit Union has the higher TellerScore (87 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Journey Bank leads on 2 and Central Keystone Federal Credit Union on 5. 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.