JOLT
State-Chartered • SAGINAW, Michigan • Est. 1956
Quick Facts
- Charter Number
- #68703
- Type
- State-Chartered
- Established
- 1956
- Headquarters
- SAGINAW, Michigan 48608-6338
- Address
- PO BOX 6338
- Branches
- 5
- ATMs
- 5
- Members
- 27,518
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
27,518 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | JOLT |
|---|---|
| Total Assets | $472.5M |
| Members | 27,518 |
| Loans Outstanding | $250.9M |
| Shares & Deposits | $404.4M |
| Net Worth | $48.7M |
| Net Worth Ratio | 10.31% |
| Loan-to-Share Ratio | 62.1% |
| Delinquency Rate | 0.30% |
| Net Income | +$5,073,047 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
5 locations · 5 ATMs
Main Office
Main Office6180 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 48640-2660
Who Can Join JOLT?
Membership Type: Community
Membership eligibility for JOLT may vary. Contact the credit union directly to confirm qualification requirements.
Contact JOLT directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Michigan RankingsFrequently Asked Questions
Yes. JOLT is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, JOLT has 27,518 members and a potential membership field of 936,513 people.
JOLT's net worth ratio is 10.31% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.3%, JOLT meets this threshold.
JOLT operates 5 branch locations and has access to 5 ATMs. The main office is located at 6180 State St, Saginaw, MI 48603.
JOLT was established in 1956. It is a state-chartered credit union chartered under charter number 68703. The institution has been serving members for 70 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or JOLT. All financial data is for informational purposes only.