Side-by-side · Q2 2026 data
Members Community Credit Union vs Journey Credit Union
Metric by metric
| Measure | Members Community Credit Union | Journey Credit Union |
|---|---|---|
| TellerScore | 82 | 85 (stronger) |
| Capital cushion | 75 | 100 (stronger) |
| Loan quality | 92 (stronger) | 63 |
| Earnings | 68 | 82 (stronger) |
| Funding & liquidity | 86 | 90 (stronger) |
| Problem-loan coverage | 98 (stronger) | 92 |
| Peer percentile | 70th | 77th |
| Total assets | $99.2M | $97.6M |
| Deposits / shares | $83.0M | $80.4M |
| Capital ratio | 12.48% | 16.86% (stronger) |
| Problem loans | 0.25% (stronger) | 1.11% |
| Net charge-offs | 0.23% (stronger) | 0.64% |
| Return on assets | 1.21% | 1.56% (stronger) |
| Loans ÷ deposits | 73.8% | 70.6% (stronger) |
| Uninsured deposits | 3.0% (stronger) | 9.0% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.8% |
Journey Credit Union has the higher TellerScore (85 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Members Community Credit Union leads on 3 and Journey Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.