# JOURNEY
Des Moines, IA · NCUA charter 64361 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/journey-64361

Who the members are: state charter, organized 1954. 5,153 members of 950,000 potential (0.5% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 64.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $96.2M |
| Members | 5,153 (0.4% YoY) |
| Full-time staff | 15 |
| Net worth | $16.1M |
| Net worth ratio | 16.7% (p80 of band) |
| ROA (annualized) | 1.50% (p85 of band) |
| Total delinquency | 1.38% (p83 of band) |
| Net charge-offs (annualized) | 0.70% (p80 of band) |
| Loans / shares | 70% (p68 of band) |
| Cash / assets | 31.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.65% (p50 of band) |
| Operating expense / assets | 2.91% (p28 of band) |
| Vehicles % of loans | 43% (p51 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 25% |
| Third-party paper % of net worth | 37% (p73 of band) |
| Vehicle delinquency | 2.07% (p91 of band) |
| Vehicle NCO | 1.24% (p86 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 36% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 29% |
| Core shares % of member funds | 40% |
| Certificates % of member funds | 28% |
| Average share balance | $5,680 |
| Participations bought / yr | $300,000 |
| Participations sold / yr | $0 |
| Participations outstanding | $5.2M |
| Loans outstanding per 100 members | 64% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $16,974 |
| Loans granted, annualized | $20.2M |

## Participation posture (from the same filings)

Bought $300,000 and sold $0 in the latest annualized quarter; $5.2M outstanding purchased (32.2% of net worth), $0 sold and retained. Sold in 0 and bought in 7 of the last 8 quarters. Shares 4.9% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | delinquency 2x band |
| 2016-12 | 1 | delinquency 2x band |  |
| 2017-03 | 1 | net worth falling | delinquency 2x band |
| 2017-06 | 1 | delinquency 2x band | net worth falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 3 | net worth falling, delinquency rising |  |
| 2018-06 | 1 |  | net worth falling, delinquency rising |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | members leaving |  |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 2 |  | delinquency 2x band |
| 2020-12 | 4 | margin squeeze, delinquency 2x band |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 2 |  | members leaving, net worth falling |
| 2021-09 | 1 |  | margin squeeze |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | delinquency rising |  |
| 2022-09 | 1 |  | delinquency rising |
| 2022-12 | 2 | delinquency rising |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 1 |  | delinquency rising |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-08 [Over 450 Students Enter Health Career Journey At Des Moines University Medicine and Health Science's White Coat Ceremony - River Cities' Reader](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPeW5QcU9mdjhKTl91Skw0VEd5aE95WmkwUWdGOUl3ODR2eFZuRXF3VzhMRWQwSDhtZWc2cGxiMi02bkRiZWdQaXh0ejI5SUEwSi13TWNXZ29wN3RXMEp0M0EwaDRfYmtpZkJadDNKR0VIbGltaV93Q0ZlZUlCeXRCVDV0cWhxMFltc0lHS0NfVzI1TkNfbGo4N3d0dG5rMlZVb1c5YVVDa0RDNUFna3dwazd6NzVUMm1ubnow?oc=5) · River Cities' Reader
- 2026-06-29 [20 Largest Credit Unions in America | Banking Advice | U.S. News - U.S. News & World Report](https://news.google.com/rss/articles/CBMigAFBVV95cUxPTGo3NzJqcExQdW1NT240R08xaGVXT1pFZHBGS29RSG9UaUJQaWkxV3RrbEZheE5jWjRlUmp0am5oQ3V6SFh6U2lIQ2NvaWtKTnhsNko2TU0zYXRhWUFEb0ZBUWFJUkxYWlQ4eVBTWHFmNjZkbW1QOXg1VnBDbExpWA?oc=5) · U.S. News & World Report
- 2026-07-14 [8 Credit Unions Anyone Can Join | Banking Advice | U.S. News - U.S. News & World Report](https://news.google.com/rss/articles/CBMieEFVX3lxTE9QSi0tMEVzUDIwQjRjRXV3QnlzdzRwYUlwQVNPU1VFWHBMMTBXYVlqY296amFwRDB1d0x5R2JvdmJXZmpyNTE3X0JmRFdsT3hUNnl4alRKMFpXM2pSNG5TbEh6ZUtvQWNvdTRtT0pnYUhmelhVYXlTYw?oc=5) · U.S. News & World Report
- 2025-12-10 [Linda Pioch Obituary - West Des Moines, IA - Dignity Memorial](https://news.google.com/rss/articles/CBMiigFBVV95cUxOYnQ3dFhDNGpHLWw2bmdlTnZlMWtZRkxTU1ZXYXFEamhXQjNIV19rV2ZCdDl4ODhQUjl5N0wxUmRmdmtRVC1RNExaR25McEZ3NGhVVUZQbVFqX2xyUWhGS0ItdWpsUHdqR3hxVkgyOFE5bnoydFYwOUllS3FnaUxiYnk5SXpkd0ZDTHc?oc=5) · Dignity Memorial
- 2024-11-13 [Zeal Credit Union names Srinivasa “Sastri” Siravuri as new Chief Experience Officer - CUInsight](https://news.google.com/rss/articles/CBMivwFBVV95cUxPRldIQ0JDeEVxSU96V2xkLVpfM2hxUng2NDdLYmZRMlpjOF96RGVCUVllSHlJSk9oc29ZVDRmcGlBZzRZMFRURWhpcm9iWmpvYXlYNFVYWlEzSFpCdUc4QVJlLWRoSWN5dGpNdTRHZURPWHhxSEQyejJySUVCSURoYi1yX29FV0ZBM0I2UTRNQnJhNzl0Y01RZTEwNEhsOWhLLTkwWmZJejBsUlRWNDdxY0l2UU9wSE11b0ctMWxJYw?oc=5) · CUInsight
- 2020-08-22 [Roger Carroll Schoonover - hamiltonsfuneralhome.com](https://news.google.com/rss/articles/CBMiY0FVX3lxTFBrUXVXYkdXNnYwQkdsVVQxZG5BU25aU1pIcHlDMXBHMm9zd3QtMDM5a19wRmJma0RXaEhMMG9nb0M2X3g1Nm9sb3I5c3NhUDNOZTl1UWhaZGVLN3JIMVJMaGJUdw?oc=5) · hamiltonsfuneralhome.com
- 2023-04-20 [Liberty First Credit Union Arena - Omaha Beef - Stadium Journey](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOam9QQmhkYUxFY0VpbkZ5VmR0UHhZMmc5MjYzc1B0UjBBSVYzZ01MTXZyWUV1M0RMdjBuRExMZEJLTGswcW1lcUctTVNiLVhSM2I0VEhzeGs5Sk9ZMUh5bXBOZVF5Ni1VTlFINWFBSUFwNHVhNWFWYS1WcDV0RDktekFZT1J5Z1gyU1JF?oc=5) · Stadium Journey
- 2022-02-25 [Marlene Fouche Obituary - The Des Moines Register](https://news.google.com/rss/articles/CBMiZEFVX3lxTFBqWEd3cmtmd3daLUlUdnZGWTVJZUF4dm5obmQ1Q01fcndsM29zV0VUenBpb3VNOVZXUXpVNER4QWRKMzlZdHlVbnVEaS02ckxIUjVVTkMtS1NaNm55WXVEVmwyZGM?oc=5) · The Des Moines Register

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64361 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/41.json (key "64361", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=64361
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide