Extra
Warren, MI · Charter 60428 · Peer group: credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (n=38)
NCUA · 2 branches
Q2 2026
$345.4MAssets
$183.6MLoans
$285.1MShares
$60.5MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 92% of credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (rank 3 of 38).
- Widest gap: nonperforming loans / loans trails 82% of credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (rank 32 of 38).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.16%
Rank 9 of 38
Net Interest Margin
5.00%
Rank 3 of 38
Efficiency Ratio
73.05%
Rank 11 of 38
Equity / Assets
17.51%
Rank 5 of 38
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.16% | 0.49% | 0.78% | 1.16% | Beats 76% | 9 / 38 | | |
| Return on Equity | 6.65% | 3.91% | 6.52% | 8.43% | Beats 55% | 17 / 38 | | |
| Net Interest Margin | 5.00% | 3.41% | 3.65% | 4.18% | Beats 92% | 3 / 38 | | |
| Efficiency Ratio | 73.05% | 72.88% | 78.35% | 82.40% | Beats 74% | 11 / 38 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.56% | 0.36% | 0.84% | 1.47% | Beats 18% | 32 / 38 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 17.51% | 11.22% | 12.45% | 15.29% | Beats 87% | 5 / 38 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 17.51% | 11.22% | 12.45% | 15.29% | Beats 87% | 5 / 38 | | |
| Liquidity & Funding |
| Loans / Deposits | 64.41% | 38.40% | 54.78% | 75.62% | 61st pctl | 15 / 38 | | |
| Loans / Assets | 53.16% | 32.99% | 45.72% | 63.66% | 61st pctl | 15 / 38 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |