JOURNEY
Federal • SAINT JOHNS, Michigan • Est. 1972
Quick Facts
- Charter Number
- #20943
- Type
- Federal
- Established
- 1972
- Headquarters
- SAINT JOHNS, Michigan 48879-1150
- Address
- 1200 ZEEB DR
- Branches
- 4
- ATMs
- 4
- Members
- 17,177
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
17,177 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | JOURNEY |
|---|---|
| Total Assets | $184.0M |
| Members | 17,177 |
| Loans Outstanding | $108.7M |
| Shares & Deposits | $163.9M |
| Net Worth | $18.4M |
| Net Worth Ratio | 9.99% |
| Loan-to-Share Ratio | 66.3% |
| Delinquency Rate | 0.55% |
| Net Income | +$1,874,535 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
4 locations · 4 ATMs
St. Johns Branch
Main Office1200 Zeeb Dr
Saint Johns, MI 48879-1150
Fowler Branch
10667 E 2nd St
Fowler, MI 48835-5139
Ovid Branch
1090 Baese Ct
Ovid, MI 48866
Alma Branch
130 W Superior St
Alma, MI 48801-1643
Who Can Join JOURNEY?
Membership Type: Community
Membership eligibility for JOURNEY may vary. Contact the credit union directly to confirm qualification requirements.
Contact JOURNEY directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Michigan RankingsFrequently Asked Questions
Yes. JOURNEY is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, JOURNEY has 17,177 members and a potential membership field of 413,452 people.
JOURNEY's net worth ratio is 9.99% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.0%, JOURNEY meets this threshold.
JOURNEY operates 4 branch locations and has access to 4 ATMs. The main office is located at 1200 Zeeb Dr, Saint Johns, MI 48879-1150.
JOURNEY was established in 1972. It is a federal credit union chartered under charter number 20943. The institution has been serving members for 54 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or JOURNEY. All financial data is for informational purposes only.