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
- CAMELS 85/100
- HEALTH 17.1%
- NW 1.38%
- DELQ 1.25%
- ROA $336.3M
- ASSETS 18,979
- MEM #1,906/4,374
- RANK GUADALUPE
- PHOTO 60428
Call Report peers
EXTRA in the assets neighbourhood
EXTRA's $336.3M assets sit next to GUADALUPE ($336.2M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
EXTRA - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #60428, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for EXTRA
EXTRA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.4% from $336.3M (2025Q4) to $344.4M (2026Q1).
- Net-worth ratio shifted +0.13 pp (17.01% → 17.14%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Two NCUA Call Report peer sets for EXTRA, both outside Michigan so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($336.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Michigan credit unions compare overall before assuming this one is typical. Michigan state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is EXTRA financially healthy?
A 17.14% net worth ratio and a 1.38% delinquency rate feed into EXTRA's financial health score of 85/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,906 of 4,374; by total assets it ranks #971 of 4,374 nationally (same basis as /rankings/largest); and #60 of 171 within Michigan. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does EXTRA compare to other credit unions?
Five weighted metrics from NCUA filings produce EXTRA's 85/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like EXTRA are 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."
What rates does EXTRA offer compared to banks?
Credit unions like EXTRA are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact EXTRA directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.