Charter 20943 · Saint Johns, MI
Journey Federal Credit Union
Journey Federal Credit Union is a federally chartered credit union in Saint Johns, Michigan, with $187 million in assets and 17,304 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 10.20%, well above the 7% that NCUA's rules treat as well capitalized.
Also does business as Journey Federal CU, JFCU.
- Total assets
- $187 million
- +2.0% in a year
- Members
- 17,304
- +1.0% in a year
- Net worth ratio
- 10.20%
- Peer median 11.65%
- Loans 60+ days late
- 0.68%
- Peer median 0.70%
- Loans outstanding
- $106 million
- -7.2% in a year
- Shares and deposits
- $166 million
- +1.5% in a year
- Branches
- 4
- 38 employees
- Opened
- 1972
- Federal charter
How Journey Federal Credit Union compares
NCUA groups credit unions by size; Journey Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 10.20% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.68%, is about the same as the group median of 0.70%. Loans fell 7.2% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 85 of 169 credit unions headquartered in Michigan. See all Michigan credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $187 million | 17,304 | $106 million | 10.20% | 0.68% |
| Q1 2026 | $190 million | 17,238 | $105 million | 9.88% | 0.55% |
| Q4 2025 | $184 million | 17,177 | $109 million | 9.99% | 0.55% |
| Q3 2025 | $182 million | 17,173 | $111 million | 9.98% | 0.51% |
| Q2 2025 | $183 million | 17,130 | $114 million | 9.80% | 0.44% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 420,779 potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 4 sites for Journey Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- St. Johns Branch (main office)
1200 Zeeb Dr, Saint Johns, MI 48879 - Fowler Branch
10667 E 2Nd St, Fowler, MI 48835 - Ovid Branch
1090 Baese Ct, Ovid, MI 48866 - Alma Branch
130 W Superior St, Alma, MI 48801
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology