Saint Johns, Michigan · Peer group 5
Journey Credit Union
Journey Credit Union holds $189.6M in assets across 17,238 members as of Q1 2026 — about $11K of assets per member, on a charter dating to 1972. Charter number 20943, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $189.6M |
|---|---|
| Total loans | $104.8M |
| Total shares (deposits) | $169.5M |
| Net worth | $18.7M |
| Members | 17,238 |
| Assets per member | $11K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 3.3% | |
|---|---|---|
| Loans | -7.2% | lower than 94% of its peer group |
| Deposits | 3.2% | around the 50th percentile of its peer group |
| Members | -0.0% | around the 53rd percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 61.8% | around the 30th percentile of its peer group |
|---|---|---|
| Net worth ratio | 9.9% | around the 26th percentile of its peer group |
| Return on assets | 0.71% | around the 52nd percentile of its peer group |
| Delinquency ratio | 0.55% | around the 45th percentile of its peer group |
| Cash / assets | 10.5% | around the 52nd percentile of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is Journey Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Michigan — the comparison set a peer ratio is measured against.
- Polish-American Credit Union
Troy, MI
$188.2M · 7,404 members
- Downriver Community Credit Union
Ecorse, MI
$193.5M · 12,303 members
- Service 1 Credit Union
Muskegon, MI
$197.4M · 21,204 members
- Safe Harbor Credit Union
Ludington, MI
$181.7M · 8,971 members
- Health Advantage Credit Union
SAGINAW, MI
$179.4M · 10,639 members
- Awakon Credit Union
ONAWAY, MI
$201.9M · 14,830 members
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