Side-by-side · Q2 2026 data
Journey Credit Union vs Serve Credit Union
Metric by metric
| Measure | Journey Credit Union | Serve Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 84 |
| Capital cushion | 100 | 100 |
| Loan quality | 63 | 73 (stronger) |
| Earnings | 82 (stronger) | 78 |
| Funding & liquidity | 90 (stronger) | 73 |
| Problem-loan coverage | 92 | 94 (stronger) |
| Peer percentile | 77th | 86th |
| Total assets | $97.6M | $101.3M |
| Deposits / shares | $80.4M | $82.2M |
| Capital ratio | 16.86% | 18.08% (stronger) |
| Problem loans | 1.11% | 0.81% (stronger) |
| Net charge-offs | 0.64% | 0.21% (stronger) |
| Return on assets | 1.56% (stronger) | 1.44% |
| Loans ÷ deposits | 70.6% (stronger) | 87.2% |
| Uninsured deposits | 9.0% | 2.6% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.8% | 12.1% |
Journey Credit Union has the higher TellerScore (85 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Journey Credit Union leads on 3 and Serve Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.