State credit union · SAGINAW, Michigan · NCUA charter #68703
JOLT
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $472.5M
- Total assets
- 27,518
- Members
- 10.2%
- Net-worth ratio
JOLT scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $472.5M; members 27,518; net-worth ratio 10.17%; health rank #1,498 of 4,374; healthier than 65th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,498 of 4,374 health · 2025Q4JOLT · health 88/100 · $472.5M · 2025Q4
Call Report peers
JOLT in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
JOLT vs every NCUA-scored credit union
JOLT sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
JOLT: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.30% vs peer 0.89% (-0.60 pp).
- Loan-to-Share Ratio trails the peer set - 62.06% here, 72.20% peer average (-10.14 pp).
JOLT: in-state Call Report ranks
- In Michigan, health place is #70 of 171 on the same NCUA-ratio sort used nationally.
- Assets rank #46 of 171 inside Michigan ($472.5M reported).
- Michigan membership ordinal: #49 of 171.
- One place up in Michigan, Family Financial (#69) ties at 88/100; one place down, Chief Financial (#71) ties at 88/100.
Quarter path for JOLT
JOLT: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.3% from $472.5M (2025Q4) to $483.4M (2026Q1).
- Net-worth ratio shifted -0.14 pp (10.31% → 10.17%).
10.17% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 88/100 score is built
JOLT gives up 12 points in total. Member Growth costs the most, 7.3 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 12.1 pts
- Member Growth 7.7 pts
- Loan-to-Share Ratio 13.2 pts
JOLT health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.17% | -1.94 pp |
| Delinquency Rate | 0.30% | -0.60 pp |
| Return on Assets | 0.31% | -0.32 pp |
| Member Growth | -0.72% | - |
| Loan-to-Share Ratio | 62.06% | -10.14 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
JOLT filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $483.4M | - |
| 2025Q4 | $472.5M | 27,518 |
| 2024Q4 | $465.3M | 27,717 |
| 2023Q4 | $452.1M | 27,856 |
Credit Union Details
- Charter Number
- 68703
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- SAGINAW
- Data Quarter
- 2025Q4
Branch Locations (5)
JOLT operates 5 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Saginaw, MI |
| Euclid Ave Branch | Bay City, MI |
| Essexville Branch | Essexville, MI |
| Midland Branch | Midland, MI |
| S Washington Ave Branch | Saginaw, 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.
Cross-state Call Report peers for JOLT
Using this data
- JOLT ranks #1,498 of 4,374 nationally on financial health and #70 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Cornerstone Community Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Cornerstone Community Financial
Frequently Asked Questions
Is JOLT financially healthy?
JOLT has a financial health score of 88/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,498 of 4,374 nationally on health and #70 of 171 in Michigan. Its net worth ratio is 10.17% and its delinquency rate 0.30%.
How does JOLT compare to other credit unions?
JOLT scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.30% vs 0.89%). Its widest shortfall is loan-to-share ratio (62.06% vs 72.20%).
How can I join JOLT?
Membership eligibility for JOLT depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact JOLT directly for current membership requirements and application steps.
Is my money safe at JOLT?
JOLT 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. JOLT'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.