Jolt

SAGINAW, MI · 2 · Charter #68703 · www.joltcu.com
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$472.5M
53th percentile
Members
27,518
48th percentile
Total loans
$250.9M
37th percentile
Total shares
$403.2M
54th percentile

Profitability

Return on assets
0.91%
44th percentile
Net interest margin
3.63%
63th percentile
Efficiency ratio
65.77%
23th percentile
Non-interest income ratio
24.94%
81th percentile

Capital & Risk

Net worth ratio
10.31%
41th percentile
Delinquency rate
0.30%
87th percentile
Net charge-off rate
0.56%
35th percentile
Loan-to-share
62.23%
16th percentile

Growth

Member growth YoY
-0.72%
36th percentile
Asset growth YoY
1.53%
21th percentile
Loan growth YoY
-0.41%
24th percentile
Share growth YoY
1.73%
25th percentile

Operations

Members / branch
5,504
66th percentile
Assets / member
$17,169
58th percentile
Field of membership penetration
2.94%
38th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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