The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score fell 3 points (72 → 69), mostly because the earnings component weakened by 13 points.

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size credit unions in Michigan

Yes. Jolt Credit Union is a federally insured credit union (NCUA charter #68703). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 3.2% of shares and deposits ($13.2M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.28%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Jolt Credit Union lists 5 offices in 4 cities. Most locations:

• Saginaw, MI (2)
• Bay City, MI (1)
• Essexville, MI (1)
• Midland, MI (1)

All branch addresses and map

In 2025, Jolt Credit Union reported 296 home-loan applications under HMDA (LEI 549300760C8FJ53D2J56): 114 originated ($18,870,000 total), 66 denied, and 28 withdrawn or closed by the applicant. Its denial rate on decided applications was 24.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Jolt Credit Union

Type

Federally insured state-chartered credit union

NCUA charter #

68703

RSSD ID

214982

Primary regulator

State + NCUA

Established

1956

Headquarters

Po Box 6338, Saginaw, MI 48608

Employees

118