JOLT
Saginaw, MI · State Credit Union · Chartered in MI
Who can join
State government employees (special charter)
Members
27,415
Net Worth Ratio
10.17%
min. 7% = Well Capitalized
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
At a Glance
Total Assets
$483.4M
Peer Group 5
Members
27,415
as of latest quarter
Net Worth Ratio
10.17%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
Total Assets
$483.4M
Total Shares
$415.8M
Total Loans
$249.5M
Net Income
$485K
Net Worth Ratio
10.17%
≥7% = Well Capitalized
Members
27,415
Return on Assets
0.10%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.19%
$483K
Loan-to-share ratio: 60.0%· healthy range 60–80%
Branch Locations
NCUAMain Office
6180 State St, Saginaw, MI, 48603
Monday - Thursday 9:00 am to 5:00 pm Friday 9:00 am to 6:00 pm Saturday 9:00 am to 1:00 pm
S Washington Ave Branch
1002 S Washington Ave, Saginaw, MI, 48601
Monday - Thursday 9:00 am - 5:00 pm Friday 9:00 am - 5:00 pm
Euclid Ave Branch
915 S Euclid Ave, Bay City, MI, 48706
Monday - Thursday 9:00 am - 5:00 pm Friday 9:00 am - 6:00 pm Saturday 9:00 am - 1:00 pm
Essexville Branch
3015 Center Ave, Essexville, MI, 48732
Monday - Thursday 9:00 am - 5:00 pm Friday 9:00 am to 6:00 pm
Midland Branch
2106 N Saginaw Rd, Midland, MI, 48640-2660
M-F 9:00 am - 5:00 pm Sat 9:00 am - 12:00 pm
Mortgage Lending (HMDA)
Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.
Consumer Complaints
No CFPB complaint data available for this credit union.
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<a href="https://bankscorer.com/credit-union/jolt" target="_blank" rel="noopener">View JOLT on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.