TellerScore

Journey Federal Credit Union is a federal credit union headquartered in Saint Johns, Michigan, in business for about 54 years. At the end of Q2 2026 it reported $186.5M in total assets and $165.9M in member shares and deposits, with 4 offices.

Based on its Q2 2026 filing, Journey Federal Credit Union scores 68/100, which we describe as moderate. That is higher than only 45% of 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 113th. Its strongest component is funding & liquidity (96/100; 64% loans-to-deposits, 3% uninsured), and its lowest is earnings (47/100; 0.68%).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Net worth ratio: 10.20%
Loan quality77/100
Loans 60+ days delinquent ÷ total loans: 0.68%
Earnings47/100
Return on assets (annualized): 0.68%
Funding & liquidity96/100
Loans ÷ shares: 63.8% · 2.8% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.80%

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 fell 5 points (73 → 68), mostly because the earnings component weakened by 22 points.

TellerScore
636873Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202463
Q4 202466
Q1 202573
Q2 202573
Q3 202571
Q4 202570
Q1 202669
Q2 202668
Net worth ratio
7.00%8.60%10.20%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.18%
Q3 20249.28%
Q4 20249.36%
Q1 20259.49%
Q2 20259.80%
Q3 20259.98%
Q4 20259.99%
Q1 20269.88%
Q2 202610.20%
Delinquent loans (60+ days)
0.41%0.63%0.84%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.69%
Q3 20240.84%
Q4 20240.59%
Q1 20250.41%
Q2 20250.44%
Q3 20250.51%
Q4 20250.55%
Q1 20260.55%
Q2 20260.68%
Return on assets
0.68%1.01%1.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.69%
Q3 20240.70%
Q4 20240.76%
Q1 20251.35%
Q2 20251.22%
Q3 20251.00%
Q4 20250.92%
Q1 20260.71%
Q2 20260.68%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$186.5M10.20%0.68%0.68%63.8%
Q1 202669$189.6M9.88%0.55%0.71%61.8%
Q4 202570$184.0M9.99%0.55%0.92%66.3%
Q3 202571$182.1M9.98%0.51%1.00%68.5%
Q2 202573$182.9M9.80%0.44%1.22%69.7%
Q1 202573$183.6M9.49%0.41%1.35%68.7%
Q4 202466$179.6M9.36%0.59%0.76%71.7%
Q3 202463$177.8M9.28%0.84%0.70%72.5%
Q2 202464$176.2M9.18%0.69%0.69%71.5%

1,341 peers · $100 million – $1 billion

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).

Capital ratio10.20%
32nd
Problem loans0.68%
50th
Net charge-offs0.32%
55th
Return on assets0.68%
45th
Loans to deposits63.8%
72nd
Uninsured deposits2.8%
84th
Loan-loss reserves0.00%
50th
Texas ratio3.8%
53rd

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Safe Harbor Credit UnionCredit union Ludington, MI44 out of 100, Below average$183.8M9.4%2.33%vs
Downriver Community Federal Credit UnionCredit union Ecorse, MI70 out of 100, Strong$193.2M10.5%0.52%vs
Health Advantage Federal Credit UnionCredit union Saginaw, MI82 out of 100, Strong$179.3M13.4%0.33%vs
Polish-American Federal Credit UnionCredit union Troy, MI72 out of 100, Strong$195.1M12.8%1.37%vs
Family Financial Credit UnionCredit union Norton Shores, MI66 out of 100, Moderate$175.6M11.1%0.89%vs
Service 1 Federal Credit UnionCredit union Muskegon, MI89 out of 100, Very strong$198.5M18.6%0.42%vs

Deposit insurance

Is my money safe at Journey Federal Credit Union?

Yes. Journey Federal Credit Union is a federally insured credit union (NCUA charter #20943). 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 2.8% of shares and deposits ($4.7M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.20%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Journey Federal Credit Union lists 4 offices in 4 cities. Most locations:

  • Alma, MI (1)
  • Fowler, MI (1)
  • Ovid, MI (1)
  • Saint Johns, MI (1)

All branch addresses and map

Identity & history

Profile

Legal name
Journey Federal Credit Union
Type
Federal credit union
NCUA charter #
20943
RSSD ID
807085
Primary regulator
NCUA
Established
1972
Headquarters
1200 Zeeb Dr, Saint Johns, MI 48879
Employees
38

Quick answers

Journey Federal Credit Union: common questions

Is Journey Federal Credit Union NCUA insured?

Yes. Journey Federal Credit Union is a federally insured credit union (NCUA charter #20943). 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 Federal Credit Union's TellerScore?

68 out of 100 (Moderate), 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 Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Saint Johns

InstitutionScoreAssetsCapitalProblem loansCompare
Auto-Owners Associates Credit UnionCredit union Lansing, MI96 out of 100, Very strong$43.8M18.6%0.25%vs
DFCU Financial Credit UnionCredit union Dearborn, MI82 out of 100, Strong$8.0B12.6%0.63%vs
Consumers Professional Credit UnionCredit union Lansing, MI81 out of 100, Strong$149.7M16.8%1.28%vs
Farm Bureau Family Credit UnionCredit union Lansing, MI81 out of 100, Strong$26.6M12.5%0.64%vs
Pfcu Credit UnionCredit union Portland, MI77 out of 100, Strong$873.2M11.3%0.37%vs
Commercial BankBank Ithaca, MI75 out of 100, Strong$552.7M10.9%0.39%vs