Side-by-side · Q2 2026 data
Lennox Employees Credit Union vs Journey Credit Union
Metric by metric
| Measure | Lennox Employees Credit Union | Journey Credit Union |
|---|---|---|
| TellerScore | 55 | 85 (stronger) |
| Capital cushion | 36 | 100 (stronger) |
| Loan quality | 70 (stronger) | 63 |
| Earnings | 19 | 82 (stronger) |
| Funding & liquidity | 96 (stronger) | 90 |
| Problem-loan coverage | 88 | 92 (stronger) |
| Peer percentile | 15th | 77th |
| Total assets | $73.4M | $97.6M |
| Deposits / shares | $66.7M | $80.4M |
| Capital ratio | 8.55% | 16.86% (stronger) |
| Problem loans | 0.89% (stronger) | 1.11% |
| Net charge-offs | 0.62% (stronger) | 0.64% |
| Return on assets | -0.04% | 1.56% (stronger) |
| Loans ÷ deposits | 64.2% (stronger) | 70.6% |
| Uninsured deposits | 4.2% (stronger) | 9.0% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.8% |
Journey Credit Union has the higher TellerScore (85 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Lennox Employees Credit Union leads on 4 and Journey Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.