Charter 68703 · Saginaw, MI
Jolt Credit Union
Jolt Credit Union is a state-chartered credit union in Saginaw, Michigan, with $484 million in assets and 27,324 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 10.28%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $484 million
- +2.6% in a year
- Members
- 27,324
- -0.7% in a year
- Net worth ratio
- 10.28%
- Peer median 11.65%
- Loans 60+ days late
- 0.43%
- Peer median 0.70%
- Loans outstanding
- $255 million
- +3.5% in a year
- Shares and deposits
- $415 million
- +4.2% in a year
- Branches
- 5
- 118 employees
- Opened
- 1956
- Michigan charter
How Jolt Credit Union compares
NCUA groups credit unions by size; Jolt Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 10.28% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.43%, is lower than the group median of 0.70%. Loans grew 3.5% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 47 of 169 credit unions headquartered in Michigan. See all Michigan credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $484 million | 27,324 | $255 million | 10.28% | 0.43% |
| Q1 2026 | $483 million | 27,415 | $250 million | 10.17% | 0.38% |
| Q4 2025 | $472 million | 27,518 | $251 million | 10.31% | 0.30% |
| Q3 2025 | $471 million | 27,635 | $247 million | 10.08% | 0.25% |
| Q2 2025 | $472 million | 27,526 | $246 million | 9.95% | 0.20% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 936,513 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 5 sites for Jolt Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Main Office (main office)
6180 State St, Saginaw, MI 48603 - S Washington Ave Branch
1002 S Washington Ave, Saginaw, MI 48601 - Euclid Ave Branch
915 S Euclid Ave, Bay City, MI 48706 - Essexville Branch
3015 Center Ave, Essexville, MI 48732 - Midland Branch
2106 N Saginaw Rd, Midland, MI 48640
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology