State credit union · Des Moines, Iowa · NCUA charter #64361
JOURNEY
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $92.8M
- Total assets
- 5,151
- Members
- 16.7%
- Net-worth ratio
JOURNEY scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $92.8M; members 5,151; net-worth ratio 16.71%; health rank #2,222 of 4,374; healthier than 46th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,222 of 4,374 health · 2025Q4JOURNEY · health 83/100 · $92.8M · 2025Q4
Call Report peers
JOURNEY in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); JOURNEY sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
JOURNEY: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 73.34% here, 62.60% peer average (+10.74 pp).
- Largest lag: Delinquency Rate at 1.89% vs peer 0.96% (+0.92 pp).
Iowa standing for JOURNEY
- In Iowa, health place is #43 of 66 on the same NCUA-ratio sort used nationally.
- By total assets, JOURNEY is #32 of 66 in Iowa.
- Iowa membership ordinal: #35 of 66.
- One place up in Iowa, Casebine Community (#42) ties at 83/100; one place down, AFFINITY (#44) ties at 83/100.
How JOURNEY's 5300 filing moved
JOURNEY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.7% from $92.8M (2025Q4) to $96.2M (2026Q1).
- Net-worth ratio shifted -0.22 pp (16.93% → 16.71%).
16.71% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 83/100 score is built
JOURNEY gives up 17 points in total. Delinquency Rate costs the most, 11.6 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 13.4 pts
- Return on Assets 15.0 pts
- Member Growth 9.3 pts
- Loan-to-Share Ratio 15.3 pts
Call Report ratios for JOURNEY
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.71% | +3.09 pp |
| Delinquency Rate | 1.89% | +0.92 pp |
| Return on Assets | 1.60% | +0.94 pp |
| Member Growth | 0.21% | - |
| Loan-to-Share Ratio | 73.34% | +10.74 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $96.2M | - |
| 2025Q4 | $92.8M | 5,151 |
| 2024Q4 | $88.1M | 5,140 |
| 2023Q4 | $84.1M | 5,068 |
Credit Union Details
- Charter Number
- 64361
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Iowa
- City
- Des Moines
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for JOURNEY.
| Office | City |
|---|---|
| 1400 2nd Avenue (Main Office) | Des Moines, IA |
| 2930 SE 14th Street | Des Moines, IA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Iowa
A look at other Iowa credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- JOURNEY ranks #2,222 of 4,374 nationally on financial health and #43 of 66 in IA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Class Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Class Community
Frequently Asked Questions
Is JOURNEY financially healthy?
On its 2025Q4 NCUA 5300 filing, JOURNEY scores 83/100 (Excellent), with a 16.71% net worth ratio and 1.89% of loans delinquent. It ranks #2,222 of 4,374 nationally on health and #43 of 66 in Iowa.
How does JOURNEY compare to other credit unions?
JOURNEY scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (73.34% vs 62.60%). Its widest shortfall is delinquency rate (1.89% vs 0.96%).
How can I join JOURNEY?
Membership eligibility for JOURNEY depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact JOURNEY directly for current membership requirements and application steps.
Is my money safe at JOURNEY?
JOURNEY is a state-chartered credit union; its shares are federally 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 16.71% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.