JOURNEY Credit Union Profile

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JOURNEY

Charter #20943 | NCUA Region 1 | FCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (989) 224-9511

Fax: (989) 224-6596

Founding Date: N/A

Website: http://www.journeyfcu.org

Personnel & Operations

President: Kowatch, Christopher

Manager: McSweeney, William

FT Employees: 41

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 66

Branches: 3

Hours: DRIVE THRU: MONDAY - THURSDAY 8:00 - 5:30

Credit Union Profile Summary

JOURNEY is a FCU Credit Union. With a total of 17,130 members [1], this institution manages approximately $182,906,055 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 9.8% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 0.66% [1].

Financial Snapshot

Total Assets [1]
$182,906,055

Total economic resources.

Total Loans [1]
$113,942,767

Total value of outstanding loans.

Total Deposits [1]
$163,523,118

Total funds deposited by members.

Members [1]
17,130

Number of active members.

Performance Ratios

Net Worth Ratio [1]
9.8%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.23%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
69.68%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 3.79%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 0.66%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -2.65%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

1200 ZEEB DR

SAINT JOHNS, MI, 48879-1150
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 3 branches reported by JOURNEY (Charter #20943).

Main Office

St. Johns Branch Main Office

Type: Corporate Office

1200 Zeeb Dr

Saint Johns, MI 48879-1150

Phone: (989) 224-9511

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Fowler

Fowler Branch

Type: Branch Office

10667 E 2nd St

Fowler, MI 48835-5139

Phone: (989) 593-4240

Services: Member Services, ATM, Drive-Thru

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Ovid

Ovid Branch

Type: Branch Office

1090 Baese Ct

Ovid, MI 48866

Phone: (989) 834-9800

Services: Member Services, ATM, Drive-Thru

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