State credit union · WARREN, Michigan · NCUA charter #60428
EXTRA
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $336.3M
- Total assets
- 18,979
- Members
- 17.1%
- Net-worth ratio
EXTRA scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $336.3M; members 18,979; net-worth ratio 17.14%; health rank #1,906 of 4,374; healthier than 54th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,906 of 4,374 health · 2025Q4EXTRA · health 85/100 · $336.3M · 2025Q4
Call Report peers
EXTRA in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
EXTRA vs every NCUA-scored credit union
EXTRA sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where EXTRA diverges from peer averages
- Largest favorable gap: Net Worth Ratio at 17.14% vs peer 12.11% (+5.03 pp).
- Loan-to-Share Ratio trails the peer set - 66.88% here, 72.20% peer average (-5.32 pp).
Michigan standing for EXTRA
- Health composite ranks #94 of 171 among scored Michigan credit unions.
- Assets rank #60 of 171 inside Michigan ($336.3M reported).
- Member book place in Michigan: #65 of 171.
- One place up in Michigan, Wolverine State (#93) scores 86/100, 1 point higher; one place down, Consumers Professional (#95) ties at 85/100.
Quarter path for EXTRA
EXTRA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.4% from $336.3M (2025Q4) to $344.4M (2026Q1).
- Net-worth ratio shifted +0.13 pp (17.01% → 17.14%).
17.14% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 85/100 score is built
EXTRA gives up 15 points in total. Delinquency Rate costs the most, 7.9 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.1 pts
- Return on Assets 15.0 pts
- Member Growth 8.9 pts
- Loan-to-Share Ratio 14.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.14% | +5.03 pp |
| Delinquency Rate | 1.38% | +0.49 pp |
| Return on Assets | 1.25% | +0.63 pp |
| Member Growth | -0.08% | - |
| Loan-to-Share Ratio | 66.88% | -5.32 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
EXTRA quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $344.4M | - |
| 2025Q4 | $336.3M | 18,979 |
| 2024Q4 | $317.8M | 18,994 |
| 2023Q4 | $311.7M | 18,908 |
Credit Union Details
- Charter Number
- 60428
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- WARREN
- Data Quarter
- 2025Q4
Branch Locations (2)
EXTRA operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Extra Credit Union (Main Office) | Warren, MI |
| Washington Township Branch | Washington Township, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
Other federally-insured credit unions in Michigan, closest first by peer group and asset size.
Cross-state Call Report peers for EXTRA
Using this data
- EXTRA ranks #1,906 of 4,374 nationally on financial health and #94 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Michigan United is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Michigan United
Frequently Asked Questions
Is EXTRA financially healthy?
On its 2025Q4 NCUA 5300 filing, EXTRA scores 85/100 (Excellent), with a 17.14% net worth ratio and 1.38% of loans delinquent. It ranks #1,906 of 4,374 nationally on health and #94 of 171 in Michigan.
How does EXTRA compare to other credit unions?
EXTRA scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (17.14% vs 12.11%). Its widest shortfall is loan-to-share ratio (66.88% vs 72.20%).
How can I join EXTRA?
Membership eligibility for EXTRA depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact EXTRA directly for current membership requirements and application steps.
Is my money safe at EXTRA?
EXTRA is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. EXTRA's net worth ratio of 17.14% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.