Side-by-side · Q2 2026 data
Journey Federal Credit Union vs Polish-American Federal Credit Union
Metric by metric
| Measure | Journey Federal Credit Union | Polish-American Federal Credit Union |
|---|---|---|
| TellerScore | 68 | 72 (stronger) |
| Capital cushion | 52 | 78 (stronger) |
| Loan quality | 77 (stronger) | 54 |
| Earnings | 47 | 69 (stronger) |
| Funding & liquidity | 96 (stronger) | 85 |
| Problem-loan coverage | 92 (stronger) | 85 |
| Peer percentile | 45th | 57th |
| Total assets | $186.5M | $195.1M |
| Deposits / shares | $165.9M | $169.0M |
| Capital ratio | 10.20% | 12.79% (stronger) |
| Problem loans | 0.68% (stronger) | 1.37% |
| Net charge-offs | 0.32% | 0.01% (stronger) |
| Return on assets | 0.68% | 1.23% (stronger) |
| Loans ÷ deposits | 63.8% (stronger) | 75.6% |
| Uninsured deposits | 2.8% (stronger) | 5.8% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.7% |
Polish-American Federal Credit Union has the higher TellerScore (72 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Journey Federal Credit Union leads on 3 and Polish-American Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.