Credit Union Safety Analysis
Is Journey Credit Union Safe? Des Moines, Iowa
Based on its Q2 2026 NCUA 5300 call report, Journey Credit Union has a net worth ratio of 16.86%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.11%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Journey Credit Union's net worth ratio is 16.86%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 16.86%
- Delinquency ratio (60+ days) (Q2 2026): 1.11%
- Return on assets (Q2 2026): 1.63%
- Loan-to-share ratio (Q2 2026): 70.57%
Journey Credit Union (NCUA charter 64361, established 1954) reported $97.6M in assets and 6,472 members for Q2 2026 from Des Moines, Iowa. It ranks 32 of 65 credit unions in Iowa by total assets. Total assets grew 5.4% from $92.6M on June 30, 2025. It has 1,329 more members than on June 30, 2025 (+25.8%). Its net worth ratio was up 0.74 percentage points from 16.12% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $21.4M of $56.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.11% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 16.71% for Q1 2026; 16.12% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 1.38% for Q1 2026; 1.62% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 1.50% for Q1 2026; 1.38% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 70.37% for Q1 2026; 69.39% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $21.4M
- Used vehicle loans: $18.2M
- Other secured non-real estate loans and lines of credit: $5.1M
- Commercial loans: $5.1M
- New vehicle loans: $4.7M
- Unsecured credit card loans: $1.2M
- Other unsecured loans and lines of credit: $966K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $97.6M | 16.86% | 1.11% | 1.63% | 70.57% |
| March 31, 2026 | $96.2M | 16.71% | 1.38% | 1.50% | 70.37% |
| December 31, 2025 | $92.8M | 16.93% | 1.89% | 1.72% | 73.34% |
| September 30, 2025 | $91.7M | 16.70% | 1.60% | 1.62% | 72.60% |
| June 30, 2025 | $92.6M | 16.12% | 1.62% | 1.38% | 69.39% |
| March 31, 2025 | $91.0M | 16.07% | 1.37% | 1.53% | 69.49% |
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Free to use. It shows Journey Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 64361) · FFIEC NIC profile (RSSD 346995)
Frequently asked questions
Is Journey Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Journey Credit Union's net worth ratio is 16.86%, above the 7% NCUA threshold for well capitalized.
Is Journey Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Journey Credit Union is a federally insured credit union (NCUA charter 64361): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Journey Credit Union's key safety ratios?
For Q2 2026, Journey Credit Union reports net worth 16.86%, delinquency 1.11%, ROA 1.63%, loan-to-share 70.57%.
What happens to my money if Journey Credit Union fails?
For Q2 2026, Journey Credit Union held $80.4M in shares and deposits for 6,472 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.