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National Credit Union Service Organization

JOURNEY FEDERAL CREDIT UNION

Dec, 31, 2023 — JOURNEY FEDERAL CREDIT UNION is a federal credit union headquartered in SAINT JOHNS, MI with 3 branch locations and about $175.45 million in total assets. Opened 52 years ago in 1972, JOURNEY FEDERAL CREDIT UNION has about 17,886 members and employs 41 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:https://www.journeyfcu.org
Branches:3 branch locations
Members:17,886
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, 2023
FHLB Member:No
Low Income Designation:No
Assets:$175,445,797
CEO/Manager:Jeffrey Kusler
Chairperson:Christopher Kowatch

Call Report

  • Payday Alternative Loans (PAL Loans)
  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 15,233,346
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 36,096,283
 Unsecured Loans 10,454,891
 Other Loans 63,399,809
 TOTAL LOANS 109,950,983
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -1,161,829
 Land And Building 1,604,073
 Other Fixed Assets 304,067
 NCUSIF Deposit 1,571,166
 All Other Assets 0
  TOTAL ASSETS 175,445,797
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 1,779,723
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 34,834,591
 Regular shares 59,436,018
 All Other Shares & Deposits 64,528,653
  TOTAL SHARES & DEPOSITS 158,799,261
  TOTAL LIABILITIES 160,578,984
 Regular Reserve 0
 Other Reserves -476,843
 Undivided Earnings 15,343,656
  TOTAL EQUITY 14,866,813
  TOTAL LIABILITIES, SHARES, & EQUITY 175,445,797
INCOME & EXPENSE  
 Loan Income 5,052,147
 Investment Income 1,188,778
 Other Income 1,084,913
 Total Employee Compensation & Benefits 2,595,193
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 2,948,714
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 928,173
 Cost of Funds 1,051,456
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 678,356
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