Journey Credit Union is a federally insured state-chartered credit union headquartered in Des Moines, Iowa, in business for about 72 years. At the end of Q2 2026 it reported $97.6M in total assets and $80.4M in member shares and deposits, with 2 offices.
Based on its Q2 2026 filing, Journey Credit Union scores 85/100, which we describe as very strong. That is higher than 77% of 2,479 credit unions with under $100 million in assets. Among 66 credit unions headquartered in Iowa, it ranks 14th. Its strongest component is capital cushion (100/100; 16.86%), and its lowest is loan quality (63/100; 1.11%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 6 points (79 → 85), mostly because the loan quality component improved by 17 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 87 |
| Q3 2024 | 84 |
| Q4 2024 | 82 |
| Q1 2025 | 82 |
| Q2 2025 | 79 |
| Q3 2025 | 80 |
| Q4 2025 | 77 |
| Q1 2026 | 82 |
| Q2 2026 | 85 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 15.77% |
| Q3 2024 | 15.92% |
| Q4 2024 | 16.19% |
| Q1 2025 | 16.07% |
| Q2 2025 | 16.12% |
| Q3 2025 | 16.70% |
| Q4 2025 | 16.93% |
| Q1 2026 | 16.71% |
| Q2 2026 | 16.86% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.17% |
| Q3 2024 | 1.51% |
| Q4 2024 | 1.53% |
| Q1 2025 | 1.37% |
| Q2 2025 | 1.62% |
| Q3 2025 | 1.60% |
| Q4 2025 | 1.89% |
| Q1 2026 | 1.38% |
| Q2 2026 | 1.11% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.90% |
| Q3 2024 | 1.86% |
| Q4 2024 | 1.68% |
| Q1 2025 | 1.53% |
| Q2 2025 | 1.44% |
| Q3 2025 | 1.51% |
| Q4 2025 | 1.55% |
| Q1 2026 | 1.50% |
| Q2 2026 | 1.56% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 85 | $97.6M | 16.86% | 1.11% | 1.56% | 70.6% |
| Q1 2026 | 82 | $96.2M | 16.71% | 1.38% | 1.50% | 70.4% |
| Q4 2025 | 77 | $92.8M | 16.93% | 1.89% | 1.55% | 73.3% |
| Q3 2025 | 80 | $91.7M | 16.70% | 1.60% | 1.51% | 72.6% |
| Q2 2025 | 79 | $92.6M | 16.12% | 1.62% | 1.44% | 69.4% |
| Q1 2025 | 82 | $91.0M | 16.07% | 1.37% | 1.53% | 69.5% |
| Q4 2024 | 82 | $88.1M | 16.19% | 1.53% | 1.68% | 71.7% |
| Q3 2024 | 84 | $88.1M | 15.92% | 1.51% | 1.86% | 70.6% |
| Q2 2024 | 87 | $86.3M | 15.77% | 1.17% | 1.90% | 69.2% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Members Community Credit UnionCredit union Muscatine, IA | 82 out of 100, Strong | $99.2M | 12.5% | 0.25% | vs |
| First Class Community Credit UnionCredit union West Des Moines, IA | 78 out of 100, Strong | $95.8M | 10.8% | 0.37% | vs |
| Peoples Credit UnionCredit union Webster City, IA | 50 out of 100, Below average | $91.4M | 10.6% | 2.16% | vs |
| Power Co-Op Employees Credit UnionCredit union Humboldt, IA | 66 out of 100, Moderate | $85.6M | 13.7% | 2.29% | vs |
| Des Moines Metro Credit UnionCredit union Des Moines, IA | 79 out of 100, Strong | $77.7M | 12.6% | 0.67% | vs |
| Lennox Employees Credit UnionCredit union Marshalltown, IA | 55 out of 100, Moderate | $73.4M | 8.6% | 0.89% | vs |
Deposit insurance
Is my money safe at Journey Credit Union?
Yes. Journey Credit Union is a federally insured credit union (NCUA charter #64361). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 9.0% of shares and deposits ($7.2M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 16.86%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Journey Credit Union lists 2 offices in 1 city. Most locations:
- Des Moines, IA (2)
HMDA 2025
Mortgage lending
In 2025, Journey Credit Union reported 63 home-loan applications under HMDA (LEI 254900XRTANBKSC2EB64): 59 originated ($5,175,000 total), 3 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.8%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Journey Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 64361
- RSSD ID
- 346995
- Primary regulator
- State + NCUA
- Established
- 1954
- Headquarters
- PO Box 1496, Des Moines, IA 50305
- Employees
- 16
Quick answers
Journey Credit Union: common questions
Is Journey Credit Union NCUA insured?
Yes. Journey Credit Union is a federally insured credit union (NCUA charter #64361). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Journey Credit Union's TellerScore?
85 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Journey Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Des Moines
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| ITS BankBank Johnston, IA | 98 out of 100, Very strong | $45.2M | 97.5% | 0.00% | vs |
| Lamoure Credit UnionCredit union Lamoure, ND | 98 out of 100, Very strong | $38.8M | 18.9% | 0.00% | vs |
| Iowa State BankBank Des Moines, IA | 95 out of 100, Very strong | $480.5M | 15.9% | 0.00% | vs |
| Serve Credit UnionCredit union Des Moines, IA | 84 out of 100, Strong | $101.3M | 18.1% | 0.81% | vs |
| Charter BankBank Johnston, IA | 83 out of 100, Strong | $227.5M | 11.0% | 0.00% | vs |
| American State BankBank Osceola, IA | 83 out of 100, Strong | $360.8M | 11.1% | 0.04% | vs |