Sep, 30, 2025 — JOURNEY FEDERAL CREDIT UNION is a federal credit union headquartered in SAINT JOHNS, MI with 4 branch locations and about $182.14 million in total assets. Opened 54 years ago in 1972, JOURNEY FEDERAL CREDIT UNION has about 17,173 members and employs 39 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | JOURNEY FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 1200 Zeeb Dr SAINT JOHNS, MI 48879-1150 |
| Phone: | (989) 224-9511 |
| Fax: | (989) 224-6596 |
| Website: | https://www.journeyfcu.org |
| Branches: | 4 branch locations |
| Members: | 17,173 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 20943 |
|---|---|
| Membership Type: | Community - Rural District |
| Corporate Credit Union: | No |
| Year Opened: | 1972 |
| Last Audited: | Sep 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $182,139,814 |
| CEO/Manager: | William McSweeney |
| Chairperson: | Christopher Kowatch |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 18,143,422 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 38,545,063 |
| Unsecured Loans | 9,279,817 |
| Other Loans | 63,266,976 |
| TOTAL LOANS | 111,091,857 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -1,100,098 |
| Land And Building | 5,186,736 |
| Other Fixed Assets | 1,693,214 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,554,591 |
| All Other Assets | 0 |
| TOTAL ASSETS | 182,139,814 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 1,954,993 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 36,752,533 |
| Regular shares | 47,035,523 |
| All Other Shares & Deposits | 78,391,289 |
| TOTAL SHARES & DEPOSITS | 162,179,347 |
| TOTAL LIABILITIES | 164,134,340 |
| Regular Reserve | 0 |
| Other Reserves | -56,959 |
| Undivided Earnings | 18,062,433 |
| TOTAL EQUITY | 18,005,474 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 182,139,814 |
| INCOME & EXPENSE | |
| Loan Income | 4,849,144 |
| Investment Income | 1,343,052 |
| Other Income | 839,978 |
| Total Employee Compensation & Benefits | 2,129,174 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 3,031,865 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 97,037 |
| Cost of Funds | 1,249,473 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 1,359,733 |
| ↑ Back to Top | |