Journey

SAINT JOHNS, MI · 1 · Charter #20943 · www.journeyfcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$184.0M
84th percentile
Members
17,177
95th percentile
Total loans
$108.7M
80th percentile
Total shares
$163.9M
87th percentile

Profitability

Return on assets
1.02%
49th percentile
Net interest margin
3.65%
49th percentile
Efficiency ratio
66.68%
37th percentile
Non-interest income ratio
21.12%
69th percentile

Capital & Risk

Net worth ratio
9.99%
23th percentile
Delinquency rate
0.55%
61th percentile
Net charge-off rate
0.30%
53th percentile
Loan-to-share
66.33%
47th percentile

Growth

Member growth YoY
-1.96%
33th percentile
Asset growth YoY
2.49%
38th percentile
Loan growth YoY
-6.23%
14th percentile
Share growth YoY
1.40%
33th percentile

Operations

Members / branch
4,294
74th percentile
Assets / member
$10,714
18th percentile
Field of membership penetration
4.15%
42th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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