Journey
Des Moines, IA · Charter 64361 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$97.6MAssets
$56.7MLoans
$80.4MShares
$16.5MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 88% of credit unions under $1B in assets (rank 211 of 1682).
- Widest gap: nonperforming loans / loans trails 71% of credit unions under $1B in assets (rank 1187 of 1682).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.56%
Rank 222 of 1,683
Net Interest Margin
3.76%
Rank 894 of 1,683
Efficiency Ratio
61.44%
Rank 211 of 1,682
Equity / Assets
16.86%
Rank 395 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.56% | 0.35% | 0.74% | 1.18% | Beats 87% | 222 / 1,683 | |
| Return on Equity | 9.23% | 2.67% | 5.89% | 8.74% | Beats 79% | 361 / 1,681 | |
| Net Interest Margin | 3.76% | 3.31% | 3.82% | 4.32% | Beats 47% | 894 / 1,683 | |
| Efficiency Ratio | 61.44% | 68.91% | 78.20% | 86.93% | Beats 88% | 211 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.11% | 0.26% | 0.65% | 1.29% | Beats 29% | 1,187 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.86% | 10.44% | 12.89% | 16.53% | Beats 77% | 395 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.86% | 10.44% | 12.89% | 16.53% | Beats 77% | 395 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 70.57% | 52.61% | 69.38% | 83.50% | 52nd pctl | 806 / 1,683 | |
| Loans / Assets | 58.08% | 44.71% | 59.18% | 70.72% | 48th pctl | 876 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |