EXTRA

Charter #60428 | MI

100M-500M (1077 CUs) Micro
67 100M-500M in MI

EXTRA has 8 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 22.3% in tier
  • + Wallet Share Momentum: Top 28.3% in tier
  • + ROA 1.85% above tier average
  • + Net Interest Margin 1.40% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Fee Income Per Member: Top 0.4% in tier
  • + Efficiency Ratio: Top 7.4% in tier
  • + Net Worth Ratio: Top 7.7% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 5.8% in tier
  • - Credit Quality Pressure: Bottom 28.5% in tier
  • - Delinquency rate 0.51% above tier average
  • - Net Charge-Off Rate: Bottom 3.2% in tier
  • - Members Per Employee (MPE): Bottom 4.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Members 18,952
-0.1% YoY+0.2% QoQ
 +3.3K 15,628
-3.4% YoY
 35,456
+8.6% YoY
 33,089
+6.1% YoY
 72nd in tier
Assets $332.5M
+7.3% YoY-0.6% QoQ
 +$101.2M $231.3M
-0.0% YoY
 $650.8M
+12.6% YoY
 $547.7M
+7.8% YoY
 Top 21.6% in tier
Loans $186.4M
-1.3% YoY-0.3% QoQ
 +$38.6M $147.8M
-1.4% YoY
 $461.6M
+14.9% YoY
 $388.7M
+8.6% YoY
 72nd in tier
Deposits $276.5M
+5.1% YoY-1.5% QoQ
 +$76.2M $200.3M
-0.0% YoY
 $550.3M
+12.5% YoY
 $464.6M
+9.3% YoY
 Top 23.0% in tier
ROA 2.6%
+92.7% YoY-22.2% QoQ
 +1.9% 0.8%
+15.5% YoY
 0.8%
-27.1% YoY
 0.7%
+273.4% YoY
 Top 0.9% in tier
NIM 5.0%
+0.3% YoY+1.4% QoQ
 +1.4% 3.6%
+6.9% YoY
 3.7%
+8.5% YoY
 3.7%
+5.0% YoY
 Top 3.0% in tier
Efficiency Ratio 59.0%
-14.7% YoY+7.6% QoQ
 -18.2% 77.3%
-3.0% YoY
 76.1%
-1.3% YoY
 79.1%
-3.3% YoY
 Bottom 7.4% in tier
Delinquency Rate 1.4%
+0.9% YoY+2.2% QoQ
 +0.5 0.9%
+7.6% YoY
 0.9%
-19.7% YoY
 1.2%
-0.9% YoY
 Top 17.2% in tier
Loan To Share 67.4%
-6.0% YoY+1.3% QoQ
 -5.3% 72.7%
-1.5% YoY
 68.1%
+0.3% YoY
 68.0%
-1.7% YoY
 34th in tier
AMR $24,421
+2.6% YoY-1.2% QoQ
 +$58 $24,363
+2.9% YoY
 $22,054
+2.5% YoY
 $19,418
+1.3% YoY
 62nd in tier
CD Concentration 16.6%
+29.9% YoY+2.3% QoQ
 -7.8% 24.4%
+4.2% YoY
 18.6%
+6.0% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 11.9%
-2.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#616 of 1006 • Top 22.3% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 2.56%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.1K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#782 of 1006 • Top 28.3% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 2.56%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (2)

Liquidity Overhang

risk
#91 of 552 • Bottom 5.8% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 16.92%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 67.42%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank improving

Credit Quality Pressure

risk
#705 of 736 • Bottom 28.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.01% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 1077 peers in tier

Top Strengths (9 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
5
Fee Income Per Member
profitability
Value: $640.02
Peer Avg: $174.31
#5 of 1077 Top 0.4% in 100M-500M tier
10
Return on Assets (ROA)
profitability
Value: 2.64%
Peer Avg: 0.79%
#10 of 1077 Top 0.8% in 100M-500M tier
32
Net Interest Margin (NIM)
profitability
Value: 4.98%
Peer Avg: 3.58%
#32 of 1077 Top 2.9% in 100M-500M tier
81
Efficiency Ratio
profitability
Value: 59.03%
Peer Avg: 77.28%
#81 of 1077 Top 7.4% in 100M-500M tier
84
Net Worth Ratio
risk
Value: 16.92%
Peer Avg: 12.15%
#84 of 1077 Top 7.7% in 100M-500M tier
233
Total Assets
balance_sheet
Value: $332.49M
Peer Avg: $231.30M
#233 of 1077 Top 21.5% in 100M-500M tier
248
Total Deposits
balance_sheet
Value: $276.45M
Peer Avg: $200.29M
#248 of 1077 Top 22.9% in 100M-500M tier
250
Asset Growth Rate
growth
Value: 7.29%
Peer Avg: 4.70%
#250 of 1077 Top 23.1% in 100M-500M tier

Top Weaknesses (3 metrics)

1043
Net Charge-Off Rate
risk
Value: 1.60%
Peer Avg: 0.47%
#1043 of 1077 Bottom 3.2% in 100M-500M tier
1035
Members Per Employee (MPE)
engagement
Value: 197.417
Peer Avg: 332.881
#1035 of 1077 Bottom 4.0% in 100M-500M tier
893
Total Delinquency Rate (60+ days)
risk
Value: 1.37%
Peer Avg: 0.86%
#893 of 1077 Bottom 17.2% in 100M-500M tier