JOLT
State-Chartered • Saginaw, Michigan • Est. 1956
Quick Facts
- Charter Number
- #68703
- Type
- State-Chartered
- Established
- 1956
- Headquarters
- Saginaw, Michigan 48603
- Address
- 6180 State St
- Branches
- 5
- ATMs
- 5
- Members
- 27,415
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
27,415 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | JOLT |
|---|---|
| Total Assets | $483.4M |
| Members | 27,415 |
| Loans Outstanding | $249.5M |
| Shares & Deposits | $415.8M |
| Net Worth | $49.2M |
| Net Worth Ratio | 10.17% |
| Loan-to-Share Ratio | 60.0% |
| Delinquency Rate | 0.38% |
| Net Income | +$485,449 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
Find More Credit Unions in Michigan
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Michigan RankingsFrequently Asked Questions
JOLT is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, JOLT has 27,415 members and a potential membership field of 936,513 people.
JOLT's reported net worth ratio is 10.17% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or JOLT. All financial data is for informational purposes only.