Federal credit union · SAINT JOHNS, Michigan · NCUA charter #20943
JOURNEY
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $184.0M
- Total assets
- 17,177
- Members
- 9.9%
- Net-worth ratio
JOURNEY scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $184.0M; members 17,177; net-worth ratio 9.88%; health rank #1,320 of 4,374; healthier than 69th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,320 of 4,374 health · 2025Q4JOURNEY · health 89/100 · $184.0M · 2025Q4
- PHOTO 89/100
- BOOK 9.9%
- CHARTER 0.55%
- NCUSIF 0.74%
- CAMELS $184.0M
- HEALTH 17,177
- NW #1,320/4,374
- DELQ SJP
- ROA 20943
Call Report peers
JOURNEY in the assets neighbourhood
JOURNEY's $184.0M assets sit next to SJP ($184.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
JOURNEY vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
JOURNEY - Share Insurance Coverage
Charter #20943's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where JOURNEY diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Delinquency Rate: -0.35 pp (0.55% vs 0.89%).
- Loan-to-Share Ratio trails the peer set - 66.33% here, 72.20% peer average (-5.87 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Michigan standing for JOURNEY
- Michigan health ordinal: #61 of 171.
- Michigan assets place: #84 of 171.
- Member book place in Michigan: #73 of 171.
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for JOURNEY
JOURNEY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.0% from $184.0M (2025Q4) to $189.6M (2026Q1).
- Net-worth ratio shifted -0.11 pp (9.99% → 9.88%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.88%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 29.7 pts
- Delinquency Rate 24.5 pts
- Return on Assets 15.0 pts
- Member Growth 5.5 pts
- Loan-to-Share Ratio 14.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.88% | -2.23 pp |
| Delinquency Rate | 0.55% | -0.35 pp |
| Return on Assets | 0.74% | +0.12 pp |
| Member Growth | -1.96% | - |
| Loan-to-Share Ratio | 66.33% | -5.87 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
JOURNEY quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $189.6M | - |
| 2025Q4 | $184.0M | 17,177 |
| 2024Q4 | $179.6M | 17,521 |
| 2023Q4 | $175.4M | 17,886 |
Credit Union Details
- Charter Number
- 20943
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- SAINT JOHNS
- Data Quarter
- 2025Q4
Branch Locations (4)
JOURNEY operates 4 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| St. Johns Branch (Main Office) | Saint Johns, MI |
| Alma Branch | Alma, MI |
| Fowler Branch | Fowler, MI |
| Ovid Branch | Ovid, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
A look at other Michigan credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for JOURNEY
Cross-state asset and health neighbours for JOURNEY - kept outside Michigan; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($184.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- JOURNEY ranks #1,320 of 4,374 nationally on financial health and #61 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- POLISH-AMERICAN is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with POLISH-AMERICAN
- Rates and health both vary by institution, not just by state -- see how Michigan credit unions compare overall before assuming this one is typical. Michigan state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is JOURNEY financially healthy?
Yes/no aside, the number is 89/100 (Excellent) - JOURNEY's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,320 of 4,374; by total assets it ranks #1,336 of 4,374 nationally (same basis as /rankings/largest); and #84 of 171 within Michigan. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.88% net worth ratio and 0.55% delinquency rate are the key drivers.
How does JOURNEY compare to other credit unions?
PlainCU's health composite puts JOURNEY at 89/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join JOURNEY?
JOURNEY operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact JOURNEY directly for the exact boundaries and application steps.
Is my money safe at JOURNEY?
Federal credit unions like JOURNEY are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. JOURNEY's net worth ratio of 9.88% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does JOURNEY offer compared to banks?
Credit unions like JOURNEY are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact JOURNEY directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.