Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 22 Sep 2026 |
| RSSD ID | 764599 |
| Address | 115 Riverside Drive, Battle Creek, MI 49015 Directions (Google Maps) |
| Website | ignitecreditunion.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Not yet verifiedWe could not read the website listed for this lender on 3 Nov 2026, so we can't list its loan products, sizes or service area yet. That doesn't mean it lacks them. Check ignitecreditunion.com or contact the lender directly.
Questions to ask when you contact them
We have no details from their website yet, so these are the basics to ask any lender. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We have no loan details from their website. - Do you lend where I live, or where my business is?
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$7 million in 7 awards from the U.S. Treasury's CDFI Fund, 2020–2024 (5 programs).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $800,000 |
| 2024 | Small Dollar Loan Program | $252,927 |
| 2022 | CDFI Equitable Recovery Program | $3,470,374 |
| 2022 | CDFI Program, Technical Assistance | $125,000 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2021 | CDFI Program, Technical Assistance | $125,000 |
| 2020 | CDFI Program, Financial Assistance | $400,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as IGNITE (charter 62072). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $379.9 million (as of 30 Jun 2026) |
|---|---|
| Members | 29,382 (as of 30 Jun 2026) |
| Offices | 10 (as of 30 Jun 2026) |
Offices by state and county (10)
Michigan (10 offices)
- Allegan County (2): 755 Grand St, Allegan 49010; 432 W Main St, Fennville 49408
- Branch County (1): 415 N Willowbrook Rd, Coldwater 49036
- Calhoun County (2): 115 Riverside Dr, Battle Creek 49015 (main office); 200 W Cass St, Albion 49224
- Jackson County (1): 408 E Ganson St, Jackson 49201
- Kalamazoo County (1): 3070 W Centre Ave, Portage 49024
- Kent County (1): 211 36th St SW, Wyoming 49548
- Macomb County (1): 39900 Van Dyke Ave, Sterling Heights 48313
- Van Buren County (1): 202 S State St, Gobles 49055
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by IGNITE CREDIT UNION (NCUA charter 62072, filed as “IGNITE”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $293.3 million, 17,778 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 1.1% from $290.2 million on 30 Jun 2025 |
| Members | 29,382 (as of 30 Jun 2026); 30,615 (as of 30 Jun 2025) |
| Loans per member | $9,983 (total loans divided by members, 30 Jun 2026) |
| Total assets | $379.9 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $36 million | 12.3% |
| Used vehicle loans | $76.7 million | 26.1% |
| First-lien home mortgages (1-4 family) | $87.2 million | 29.7% |
| Other real estate loans (junior liens, other) | $30.3 million | 10.3% |
| Commercial (business) loans | $37.2 million | 12.7% |
| Credit cards | $9.4 million | 3.2% |
| Other unsecured loans | $8.1 million | 2.8% |
| Leases and other secured loans | $8.5 million | 2.9% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025IGNITE CREDIT UNION reported 120 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $10.8M (median loan about $55,000). 19 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 19 | 16% |
| Refinance (incl. 15 cash-out) | 18 | 15% |
| Home improvement | 11 | 9.2% |
| Other purpose | 72 | 60% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 120 | 100% |
Included above: 26 loans on manufactured homes.
Where the loans were made
Counties with the most 2025 originations, out of 16 counties with at least one; 100% of its 2025 loans were for properties in Michigan:
- Allegan County, MI (51)
- Kent County, MI (16)
- Van Buren County, MI (16)
- Calhoun County, MI (14)
- Jackson County, MI (5)
- Kalamazoo County, MI (4)
- Branch County, MI (3)
Filed under LEI 5493001I9VOT1BTB5V75 as “Ignite Credit Union”; matched by name, state and city (checked by hand; see the method on our About page).
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $379.9 million | Larger than 44% of the 16 other certified credit unions in Michigan (median $390 million). |
| Loans as a share of assets | 77% | Median of the same 16 credit unions: 70%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $290.2 million → $293.3 million (+1%) | Median change of 16 other certified credit unions in Michigan: +3%. Rank by loans held among these 17: 7 → 9. |
| Home loans originated in 2025 (HMDA) | 120 | More than 50% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Michigan | 16 | larger than 44% |
| Loans held then vs now | certified credit unions in Michigan reporting both dates | 16 | rank 7 → 9 of 17 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 50% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 1 SBA-backed approval for IGNITE CREDIT UNION in fiscal years 2020–2026 (October 2019 to September 2026):
- 1 7(a) loans as the lender
By fiscal year: FY2020 0 · FY2021 0 · FY2022 1 · FY2023 0 · FY2024 0 · FY2025 0 · FY2026 0.
By program
- 7(a) standard (1, 100%)
How this lender was matched in the SBA files: NCUA charter 62072, found through the RSSD ID in NCUA records (SBA lists “BlueOx Credit Union, A Division of Ignite Credit Union”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. IGNITE CREDIT UNION may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Battle Creek and Michigan
- BlueOx Credit UnionCredit union · Battle Creek, MIAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- OMNI Community Credit UnionCredit union · Battle Creek, MIAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Small-dollar / emergency loans…Verified
- American 1 Credit UnionCredit union · Jackson, MIAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- Awakon Federal Credit UnionCredit union · Onaway, MIAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
- CASE Credit UnionCredit union · Lansing, MIAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home repair / improvement loans…Verified
- COMMUNITY FIRST FEDERAL CREDIT UNIONCredit union · Lakeview, MIAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
Work at IGNITE CREDIT UNION? Link to this page
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