Journey
Journey is a credit union based in Saint Johns, Michigan, established in 1972, with $190 million in total assets serving 17,238 members. By Trust Grade it ranks 131st of 170 credit unions we track in Michigan. Its net worth ratio of 9.9% trails most similarly sized credit unions (29th percentile), versus a Michigan median of 11.7%. It was profitable over the most recent period, with a 0.71% return on assets. No consumer complaints against Journey appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Journey compares to Michigan peers
How we graded Journey
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (9.9% capital ratio)
- Profitable (ROA 0.71%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Journey over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Journey insured?
Yes. Journey is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Journey: frequently asked questions
Is Journey a good credit union?
Journey earns a Bankzia Trust Grade of B (88/100, "Strong"), based on a financial-strength score of 88/100 (it has no CFPB complaints on record). Well-capitalized (9.9% capital ratio); Profitable (ROA 0.71%).
Is Journey NCUA-insured?
Yes. Journey is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Journey?
Journey holds $190 million in total assets, ranking 131st of 170 credit unions we track in Michigan. It serves 17,238 members.
Does Journey have CFPB complaints?
No CFPB complaints against Journey appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
