Extra Credit Union
Total assets
$344.4M
▲ +3.5% YoY
Shares & deposits
$285.3M
▲ +0.5% YoY
Loans
$183.5M
▼ -1.7% YoY
Members
19,006
▼ -0.3% YoY
ROA (annualized)
0.68%
peers 0.69%
ROE (annualized)
3.99%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | Extra Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +3.9% | -0.4 pts |
| Share growth (YoY) | +0.5% | +3.3% | -2.8 pts |
| Loan growth (YoY) | -1.7% | +2.9% | -4.7 pts |
| ROA | 0.68% | 0.69% | -0.0 pts |
| ROE | 4.0% | 5.9% | -2.0 pts |
ROA ranks in the 49th percentile of its peer group · Q1 2026
Profile
- Established
- 1954
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 6611 Chicago Road, Warren, MI, 48092
- NCUA charter #
- 60428
- RSSD ID
- 479697
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $344.4M | $285.3M | $183.5M | $59.0M | $590K | 0.68% | 4.92% | 1.40% | 19,006 |
| Q4 2025 | $336.3M | $278.3M | $186.1M | $57.2M | $7.8M | 2.31% | 4.99% | 1.38% | 18,979 |
| Q3 2025 | $332.5M | $276.5M | $186.4M | $56.3M | $6.6M | 2.65% | 5.00% | 1.37% | 18,952 |
| Q2 2025 | $334.5M | $280.8M | $186.9M | $55.3M | $5.7M | 3.38% | 4.90% | 1.34% | 18,923 |
| Q1 2025 | $332.7M | $283.9M | $186.8M | $50.7M | $1.0M | 1.23% | 4.82% | 0.99% | 19,067 |
| Q4 2024 | $317.8M | $270.8M | $189.8M | $49.7M | $4.2M | 1.32% | 4.91% | 1.35% | 18,994 |
| Q3 2024 | $309.9M | $263.1M | $188.8M | $48.9M | $3.2M | 1.37% | 4.98% | 1.36% | 18,979 |
| Q2 2024 | $311.3M | $267.8M | $185.8M | $47.8M | $2.1M | 1.33% | 4.91% | 1.24% | 18,949 |
Loan mix (Q1 2026): real estate $80.1M · commercial $0 · consumer $95.5M · securities $96.1M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Extra Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 0.69% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 5.9% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.92% | 3.62% | 97th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.4% | 78.7% | 32th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Extra Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Extra Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Extra Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Extra Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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