Journey
Saint Johns, MI · Charter 20943 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 3 branches
Q2 2026
$186.5MAssets
$105.8MLoans
$165.9MShares
$19.0MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 62% of credit unions under $1B in assets in MI (rank 22 of 56).
- Widest gap: efficiency ratio trails 84% of credit unions under $1B in assets in MI (rank 48 of 56).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.68%
Rank 46 of 56
Net Interest Margin
3.50%
Rank 40 of 56
Efficiency Ratio
82.29%
Rank 48 of 56
Equity / Assets
10.20%
Rank 42 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.68% | 0.74% | 1.15% | 1.47% | Beats 18% | 46 / 56 | |
| Return on Equity | 6.66% | 6.40% | 9.29% | 11.51% | Beats 29% | 40 / 56 | |
| Net Interest Margin | 3.50% | 3.40% | 3.92% | 4.36% | Beats 29% | 40 / 56 | |
| Efficiency Ratio | 82.29% | 65.99% | 72.16% | 78.25% | Beats 16% | 48 / 56 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.68% | 0.49% | 0.84% | 1.28% | Beats 62% | 22 / 56 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.20% | 10.20% | 12.14% | 14.32% | Beats 25% | 42 / 56 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.20% | 10.20% | 12.14% | 14.32% | Beats 25% | 42 / 56 | |
| Liquidity & Funding |
| Loans / Deposits | 63.76% | 52.28% | 65.96% | 76.17% | 45th pctl | 31 / 56 | |
| Loans / Assets | 56.72% | 45.34% | 56.55% | 67.04% | 52nd pctl | 27 / 56 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |