EXTRA
Charter #60428 · WARREN, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 17.14% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.97% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.40% sits at the 87th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 2.33% sits at the 97th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 35th percentile but its structural peers at the 52nd — a 18-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | EXTRA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $344.42M | 80th pct | 72th pct |
| Members | 19,006 | 74th pct | 61th pct |
| Net worth ratio | 17.14% | 93th pct | 89th pct |
| Return on average assets | 0.69% | 49th pct | 39th pct |
| Net interest margin | 4.97% | 97th pct | 95th pct |
| Cost of funds | 1.15% | 47th pct | 61th pct |
| Loan-to-share | 64.32% | 35th pct | 52th pct |
| Delinquency 60+ days | 1.40% | 88th pct | 87th pct |
| Net charge-off ratio | 2.33% | 99th pct | 97th pct |
| Loan growth YoY | -1.53% | 30th pct | 34th pct |
| Share growth YoY | 3.21% | 46th pct | 51th pct |
| Efficiency ratio | 73.43% | 32th pct | 36th pct |
structural peer set hash: 38b875dc717fa53b473282122997e690… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.