State credit union · Battle Creek, Michigan · NCUA charter #62072
IGNITE
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $371.2M
- Total assets
- 30,282
- Members
- 10.2%
- Net-worth ratio
IGNITE scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $371.2M; members 30,282; net-worth ratio 10.17%; health rank #2,767 of 4,374; healthier than 36th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,767 of 4,374 health · 2025Q4IGNITE · health 80/100 · $371.2M · 2025Q4
- HEALTH 80/100
- NW 10.2%
- DELQ 1.03%
- ROA 0.23%
- ASSETS $371.2M
- MEM 30,282
- RANK #2,767/4,374
- PHOTO Fort Financial
- BOOK 62072
Call Report peers
IGNITE in the assets neighbourhood
IGNITE's $371.2M assets sit next to Fort Financial ($371.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
IGNITE vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
IGNITE - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #62072 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for IGNITE
- Loan-to-Share Ratio leads the peer set - 89.75% here, 72.20% peer average (+17.55 pp).
- Largest lag: Net Worth Ratio at 10.17% vs peer 12.11% (-1.94 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
IGNITE in Michigan
- Health composite ranks #137 of 171 among scored Michigan credit unions.
- Assets rank #54 of 171 inside Michigan ($371.2M reported).
- Michigan membership ordinal: #46 of 171.
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
IGNITE Call Report trajectory
IGNITE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.4% from $371.2M (2025Q4) to $376.3M (2026Q1).
- Net-worth ratio shifted -0.13 pp (10.30% → 10.17%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.17%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.8 pts
- Return on Assets 10.9 pts
- Member Growth 4.7 pts
- Loan-to-Share Ratio 14.6 pts
IGNITE health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.17% | -1.94 pp |
| Delinquency Rate | 1.03% | +0.13 pp |
| Return on Assets | 0.23% | -0.39 pp |
| Member Growth | -2.36% | - |
| Loan-to-Share Ratio | 89.75% | +17.55 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
IGNITE quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $376.3M | - |
| 2025Q4 | $371.2M | 30,282 |
| 2024Q4 | $364.6M | 31,015 |
| 2023Q4 | $224.3M | 17,955 |
Credit Union Details
- Charter Number
- 62072
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- Battle Creek
- Data Quarter
- 2025Q4
Branch Locations (11)
Per its most recent NCUA branch filing, IGNITE runs 11 offices in 10 different cities.
| Office | City |
|---|---|
| Battle Creek Main (Main Office) | Battle Creek, MI |
| Albion Branch | Albion, MI |
| Allegan | Allegan, MI |
| Administration Office | Battle Creek, MI |
| Coldwater Branch | Coldwater, MI |
| Fennville | Fennville, MI |
| Gobles | Gobles, MI |
| Jackson Branch | Jackson, MI |
| Portage Branch | Portage, MI |
| Sterling Heights | Sterling Heights, MI |
| Wyoming | Wyoming, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
More federally-insured credit unions based in Michigan, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
IGNITE's nationwide photo peers by assets and by health score, excluding Michigan charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($371.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- IGNITE ranks #2,767 of 4,374 nationally on financial health and #137 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TBA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TBA
- Rates and health both vary by institution, not just by state -- see how Michigan credit unions compare overall before assuming this one is typical. Michigan state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is IGNITE financially healthy?
IGNITE scores 80/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,767 of 4,374; by total assets it ranks #909 of 4,374 nationally (same basis as /rankings/largest); and #54 of 171 within Michigan. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.17% net worth ratio and a 1.03% delinquency rate.
How does IGNITE compare to other credit unions?
Five weighted metrics from NCUA filings produce IGNITE's 80/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join IGNITE?
Membership eligibility for IGNITE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact IGNITE directly for current membership requirements and application steps.
Is my money safe at IGNITE?
Federal credit unions like IGNITE are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. IGNITE's net worth ratio of 10.17% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does IGNITE offer compared to banks?
Credit unions like IGNITE are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact IGNITE directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.