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
Call Report peers
IGNITE in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); IGNITE sits in 80-84 with 767 others.
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
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).
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.
- One place up in Michigan, Great Lakes (#136) ties at 80/100; one place down, Northern Lights Community (#138) ties at 80/100.
IGNITE Call Report trajectory
IGNITE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.4% from $371.2M (2025Q4) to $376.3M (2026Q1).
- Net-worth ratio shifted -0.13 pp (10.30% → 10.17%).
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
IGNITE gives up 20 points in total. Member Growth costs the most, 10.3 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is IGNITE financially healthy?
On its 2025Q4 NCUA 5300 filing, IGNITE scores 80/100 (Excellent), with a 10.17% net worth ratio and 1.03% of loans delinquent. It ranks #2,767 of 4,374 nationally on health and #137 of 171 in Michigan.
How does IGNITE compare to other credit unions?
IGNITE scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (89.75% vs 72.20%). Its widest shortfall is net worth ratio (10.17% vs 12.11%).
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?
IGNITE is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.