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National Credit Union Service Organization

JOURNEY FEDERAL CREDIT UNION

Mar, 31, 2021 — JOURNEY FEDERAL CREDIT UNION is a federal credit union headquartered in SAINT JOHNS, MI with 3 branch locations and about $175.41 million in total assets. Opened 49 years ago in 1972, JOURNEY FEDERAL CREDIT UNION has about 17,999 members and employs 38 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


ABA Routing Number: 272484836
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:http://www.journeyfcu.org
Branches:3 branch locations
Members:17,999
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, 2020
FHLB Member:No
Low Income Designation:No
Assets:$175,414,222
CEO/Manager:Patrick Hunt
Chairperson:Christopher Kowatch

Call Report

  • Commercial Loans
  • Credit Builder
  • Indirect Commercial Loans
  • Indirect Consumer Loans
  • Overdraft Lines of Credit
  • Overdraft Protection
  • Participation Loans
  • Real Estate Loans
  • Risk Based Loans
  • Share Secured Credit Cards
  • Payday Alternative Loans (PAL Loans)
  • ATM/Debit Card Program
  • Commercial Share Accounts
  • Check Cashing
  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 49,230,420
TOTAL INVESTMENTS 39,093,449
Loans Held for Sale 0
 
 Real Estate Loans 27,883,197
 Unsecured Loans 8,643,770
 Other Loans 43,149,473
 TOTAL LOANS 79,676,440
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -499,585
 Land And Building 1,797,135
 Other Fixed Assets 179,918
 NCUSIF Deposit 1,400,545
 All Other Assets 4,535,900
  TOTAL ASSETS 175,414,222
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 565,472
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 37,337,884
 Regular shares 62,360,941
 All Other Shares & Deposits 61,320,511
  TOTAL SHARES & DEPOSITS 161,019,336
  TOTAL LIABILITIES 161,584,808
 Regular Reserve 1,413,027
 Other Reserves 357,050
 Undivided Earnings 12,059,337
  TOTAL EQUITY 13,829,414
  TOTAL LIABILITIES, SHARES, & EQUITY 175,414,222
INCOME & EXPENSE  
 Loan Income 900,129
 Investment Income 160,430
 Other Income 149,186
 Total Employee Compensation & Benefits 589,760
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 639,978
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense -47,123
 Cost of Funds 72,193
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 250,779
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