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
- DELQ 88/100
- ROA 10.2%
- ASSETS 0.30%
- MEM 0.31%
- RANK $472.5M
- PHOTO 27,518
- BOOK #1,498/4,374
- CHARTER DIRIGO
- NCUSIF 68703
Call Report peers
JOLT in the assets neighbourhood
JOLT's $472.5M assets sit next to DIRIGO ($472.7M) 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.
JOLT 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
88 Top 35% higher than 65% 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
JOLT - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #68703. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for JOLT
JOLT: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $472.5M (2025Q4) to $483.4M (2026Q1).
- Net-worth ratio shifted -0.14 pp (10.31% → 10.17%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- 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 |
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).
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
Cross-state asset and health neighbours for JOLT - kept outside Michigan; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($472.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
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
- 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 JOLT financially healthy?
JOLT has a financial health score of 88/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,498 of 4,374; by total assets it ranks #781 of 4,374 nationally (same basis as /rankings/largest); and #46 of 171 within Michigan. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.17% and delinquency rate of 0.30%.
How does JOLT compare to other credit unions?
JOLT scores 88/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 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?
Federal credit unions like JOLT 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. JOLT's net worth ratio of 10.17% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does JOLT offer compared to banks?
Credit unions like JOLT 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 JOLT 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.