JOLT
Charter #68703 · SAGINAW, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 27,415 ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 88.11% sits at the 75th percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 44th percentile but its structural peers at the 66th — a 21-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | JOLT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $483.37M | 99th pct | 90th pct |
| Members | 27,415 | 91th pct | 82th pct |
| Net worth ratio | 10.17% | 30th pct | 44th pct |
| Return on average assets | 0.41% | 30th pct | 31th pct |
| Net interest margin | 3.70% | 53th pct | 67th pct |
| Cost of funds | 1.12% | 44th pct | 66th pct |
| Loan-to-share | 60.01% | 27th pct | 33th pct |
| Delinquency 60+ days | 0.38% | 30th pct | 30th pct |
| Net charge-off ratio | 0.40% | 54th pct | 57th pct |
| Loan growth YoY | 0.99% | 57th pct | 57th pct |
| Share growth YoY | 5.37% | 75th pct | 79th pct |
| Efficiency ratio | 88.11% | 80th pct | 75th pct |
structural peer set hash: f1efc5611802ebebf2f094f73db60d86… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.