Extra

WARREN, MI · 2 · Charter #60428 · www.extracreditunion.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$336.3M
25th percentile
Members
18,979
22th percentile
Total loans
$186.1M
15th percentile
Total shares
$278.3M
23th percentile

Profitability

Return on assets
3.30%
99th percentile
Net interest margin
4.99%
98th percentile
Efficiency ratio
53.81%
70th percentile
Non-interest income ratio
35.81%
98th percentile

Capital & Risk

Net worth ratio
17.01%
96th percentile
Delinquency rate
1.38%
15th percentile
Net charge-off rate
1.69%
4th percentile
Loan-to-share
66.88%
22th percentile

Growth

Member growth YoY
-0.08%
43th percentile
Asset growth YoY
5.80%
56th percentile
Loan growth YoY
-1.96%
18th percentile
Share growth YoY
2.78%
34th percentile

Operations

Members / branch
4,745
52th percentile
Assets / member
$17,719
61th percentile
Field of membership penetration
0.19%
1th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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