Side-by-side · Q2 2026 data
Journey Federal Credit Union vs Family Financial Credit Union
Credit union
Family Financial Credit Union
Norton Shores, Michigan · $100 million – $1 billion
Metric by metric
| Measure | Journey Federal Credit Union | Family Financial Credit Union |
|---|---|---|
| TellerScore | 68 (stronger) | 66 |
| Capital cushion | 52 | 61 (stronger) |
| Loan quality | 77 (stronger) | 70 |
| Earnings | 47 (stronger) | 30 |
| Funding & liquidity | 96 | 98 (stronger) |
| Problem-loan coverage | 92 (stronger) | 91 |
| Peer percentile | 45th | 37th |
| Total assets | $186.5M | $175.6M |
| Deposits / shares | $165.9M | $154.4M |
| Capital ratio | 10.20% | 11.06% (stronger) |
| Problem loans | 0.68% (stronger) | 0.89% |
| Net charge-offs | 0.32% | 0.30% (stronger) |
| Return on assets | 0.68% (stronger) | 0.25% |
| Loans ÷ deposits | 63.8% | 62.1% (stronger) |
| Uninsured deposits | 2.8% (stronger) | 4.7% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 33.9% |
Journey Federal Credit Union has the higher TellerScore (68 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Journey Federal Credit Union leads on 4 and Family Financial Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.