Side-by-side · Q2 2026 data
Midwest Heritage Bank, FSB vs Journey Credit Union
Metric by metric
| Measure | Midwest Heritage Bank, FSB | Journey Credit Union |
|---|---|---|
| TellerScore | 68 | 85 (stronger) |
| Capital cushion | 78 | 100 (stronger) |
| Loan quality | 41 | 63 (stronger) |
| Earnings | 90 (stronger) | 82 |
| Funding & liquidity | 57 | 90 (stronger) |
| Problem-loan coverage | 81 | 92 (stronger) |
| Peer percentile | 37th | 77th |
| Total assets | $768.3M | $97.6M |
| Deposits / shares | $649.6M | $80.4M |
| Capital ratio | 12.82% | 16.86% (stronger) |
| Problem loans | 1.78% | 1.11% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.64% |
| Return on assets | 1.75% (stronger) | 1.56% |
| Loans ÷ deposits | 80.3% | 70.6% (stronger) |
| Uninsured deposits | 35.4% | 9.0% (stronger) |
| Offices | 12 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.2% | 4.8% |
Journey Credit Union has the higher TellerScore (85 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Midwest Heritage Bank, FSB leads on 2 and Journey Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.