Journey Federal Credit Union
Major Rating Factors:
A current level of 3.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.6). Excellent current capitalization (8.0 on a scale of 0 to 10) based on a net capital to total assets of 10.1 and a net worth ratio of 10.2.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10). Fair liquidity 4.6, driven by a liquidity ratio of 23.0 percent and a “hot money” ratio of 4.6 percent.
Asset Mix:
Consumer loans (33%), home mtgs (10%), comm loans (8%), other (49%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
1200 Zeeb Drive
Saint Johns, MI 48879
Saint Johns, MI 48879
Phone Number
(989) 227-3700
NCUA Charter Number
Website
Largest Competitors
Caledonia, MI
East Lansing, MI
Dearborn, MI
Auburn Hills, MI
Saint Joseph, MI