Side-by-side · Q2 2026 data
Journey Federal Credit Union vs Auto-Owners Associates Credit Union
Credit union
Auto-Owners Associates Credit Union
Lansing, Michigan · Under $100 million in assets
Metric by metric
| Measure | Journey Federal Credit Union | Auto-Owners Associates Credit Union |
|---|---|---|
| TellerScore | 68 | 96 (stronger) |
| Capital cushion | 52 | 100 (stronger) |
| Loan quality | 77 | 92 (stronger) |
| Earnings | 47 | 89 (stronger) |
| Funding & liquidity | 96 | 100 (stronger) |
| Problem-loan coverage | 92 | 100 (stronger) |
| Peer percentile | 45th | 97th |
| Total assets | $186.5M | $43.8M |
| Deposits / shares | $165.9M | $35.4M |
| Capital ratio | 10.20% | 18.62% (stronger) |
| Problem loans | 0.68% | 0.25% (stronger) |
| Net charge-offs | 0.32% (stronger) | 0.50% |
| Return on assets | 0.68% | 1.73% (stronger) |
| Loans ÷ deposits | 63.8% | 19.6% (stronger) |
| Uninsured deposits | 2.8% | 1.2% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Auto-Owners Associates Credit Union has the higher TellerScore (96 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Journey Federal Credit Union leads on 1 and Auto-Owners Associates Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.