Side-by-side · Q2 2026 data
State Savings Bank vs Journey Credit Union
Metric by metric
| Measure | State Savings Bank | Journey Credit Union |
|---|---|---|
| TellerScore | 58 | 85 (stronger) |
| Capital cushion | 37 | 100 (stronger) |
| Loan quality | 66 (stronger) | 63 |
| Earnings | 70 | 82 (stronger) |
| Funding & liquidity | 51 | 90 (stronger) |
| Problem-loan coverage | 84 | 92 (stronger) |
| Peer percentile | 16th | 77th |
| Total assets | $291.9M | $97.6M |
| Deposits / shares | $222.1M | $80.4M |
| Capital ratio | 8.67% | 16.86% (stronger) |
| Problem loans | 1.02% (stronger) | 1.11% |
| Net charge-offs | 0.52% (stronger) | 0.64% |
| Return on assets | 1.26% | 1.56% (stronger) |
| Loans ÷ deposits | 104.4% | 70.6% (stronger) |
| Uninsured deposits | 19.0% | 9.0% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.0% | 4.8% |
Journey Credit Union has the higher TellerScore (85 vs 58). On the 7 directional measures above (where higher or lower is clearly better), State Savings Bank leads on 2 and Journey Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.