Jolt
Saginaw, MI · Charter 68703 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 5 branches
Q2 2026
$483.8MAssets
$254.6MLoans
$415.3MShares
$49.7MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 77% of credit unions under $1B in assets in MI (rank 14 of 56).
- Widest gap: efficiency ratio trails 91% of credit unions under $1B in assets in MI (rank 52 of 56).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.42%
Rank 49 of 56
Net Interest Margin
3.68%
Rank 34 of 56
Efficiency Ratio
86.97%
Rank 52 of 56
Equity / Assets
10.28%
Rank 41 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.42% | 0.74% | 1.15% | 1.47% | Beats 13% | 49 / 56 | |
| Return on Equity | 4.12% | 6.40% | 9.29% | 11.51% | Beats 13% | 49 / 56 | |
| Net Interest Margin | 3.68% | 3.40% | 3.92% | 4.36% | Beats 39% | 34 / 56 | |
| Efficiency Ratio | 86.97% | 65.99% | 72.16% | 78.25% | Beats 9% | 52 / 56 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.43% | 0.49% | 0.84% | 1.28% | Beats 77% | 14 / 56 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.28% | 10.20% | 12.14% | 14.32% | Beats 27% | 41 / 56 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.28% | 10.20% | 12.14% | 14.32% | Beats 27% | 41 / 56 | |
| Liquidity & Funding |
| Loans / Deposits | 61.31% | 52.28% | 65.96% | 76.17% | 38th pctl | 35 / 56 | |
| Loans / Assets | 52.63% | 45.34% | 56.55% | 67.04% | 34th pctl | 37 / 56 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |