Extra Credit Union (NCUA charter #60428) is based in Warren, Michigan. Its Q2 2026 call report shows $345.4M in total assets and $285.1M in member shares and deposits and 2 offices.
Based on its Q2 2026 filing, Extra Credit Union scores 79/100, which we describe as strong. That is higher than 76% of 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 47th. Its strongest component is capital cushion (100/100; 17.51%), and its lowest is loan quality (48/100; 1.56%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 8 points (87 → 79), mostly because the earnings component weakened by 33 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 82 |
| Q3 2024 | 81 |
| Q4 2024 | 81 |
| Q1 2025 | 84 |
| Q2 2025 | 87 |
| Q3 2025 | 87 |
| Q4 2025 | 87 |
| Q1 2026 | 76 |
| Q2 2026 | 79 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 15.34% |
| Q3 2024 | 15.77% |
| Q4 2024 | 15.62% |
| Q1 2025 | 15.23% |
| Q2 2025 | 16.53% |
| Q3 2025 | 16.92% |
| Q4 2025 | 17.01% |
| Q1 2026 | 17.14% |
| Q2 2026 | 17.51% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.24% |
| Q3 2024 | 1.36% |
| Q4 2024 | 1.35% |
| Q1 2025 | 0.99% |
| Q2 2025 | 1.34% |
| Q3 2025 | 1.37% |
| Q4 2025 | 1.38% |
| Q1 2026 | 1.40% |
| Q2 2026 | 1.56% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.33% |
| Q3 2024 | 1.37% |
| Q4 2024 | 1.32% |
| Q1 2025 | 1.23% |
| Q2 2025 | 3.38% |
| Q3 2025 | 2.65% |
| Q4 2025 | 2.31% |
| Q1 2026 | 0.68% |
| Q2 2026 | 1.16% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 79 | $345.4M | 17.51% | 1.56% | 1.16% | 64.4% |
| Q1 2026 | 76 | $344.4M | 17.14% | 1.40% | 0.68% | 64.3% |
| Q4 2025 | 87 | $336.3M | 17.01% | 1.38% | 2.31% | 66.9% |
| Q3 2025 | 87 | $332.5M | 16.92% | 1.37% | 2.65% | 67.4% |
| Q2 2025 | 87 | $334.5M | 16.53% | 1.34% | 3.38% | 66.6% |
| Q1 2025 | 84 | $332.7M | 15.23% | 0.99% | 1.23% | 65.8% |
| Q4 2024 | 81 | $317.8M | 15.62% | 1.35% | 1.32% | 70.1% |
| Q3 2024 | 81 | $309.9M | 15.77% | 1.36% | 1.37% | 71.7% |
| Q2 2024 | 82 | $311.3M | 15.34% | 1.24% | 1.33% | 69.4% |
1,341 peers · $100 million – $1 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Michigan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Michigan United Credit UnionCredit union Auburn Hills, MI | 76 out of 100, Strong | $349.3M | 12.0% | 0.10% | vs |
| Freestar Financial Credit UnionCredit union Mount Clemens, MI | 59 out of 100, Moderate | $350.0M | 9.6% | 1.17% | vs |
| Peninsula Federal Credit UnionCredit union Escanaba, MI | 58 out of 100, Moderate | $355.7M | 9.0% | 0.94% | vs |
| United Financial Credit UnionCredit union Saginaw, MI | 68 out of 100, Moderate | $360.1M | 10.7% | 1.03% | vs |
| Soo Co-Op Credit UnionCredit union Sault Sainte Ma, MI | 88 out of 100, Very strong | $324.4M | 13.7% | 0.32% | vs |
| Marshall Community Credit UnionCredit union Marshall, MI | 78 out of 100, Strong | $371.8M | 17.2% | 2.08% | vs |
Deposit insurance
Is my money safe at Extra Credit Union?
Yes. Extra Credit Union is a federally insured credit union (NCUA charter #60428). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 6.4% of shares and deposits ($18.1M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 17.51%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Extra Credit Union lists 2 offices in 2 cities. Most locations:
- Warren, MI (1)
- Washington Township, MI (1)
Identity & history
Profile
- Legal name
- Extra Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 60428
- RSSD ID
- 479697
- Primary regulator
- State + NCUA
- Established
- 1954
- Headquarters
- 6611 Chicago Road, Warren, MI 48092
- Employees
- 101
Quick answers
Extra Credit Union: common questions
Is Extra Credit Union NCUA insured?
Yes. Extra Credit Union is a federally insured credit union (NCUA charter #60428). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Extra Credit Union's TellerScore?
79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Extra Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Warren
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Total Community Credit UnionCredit union Taylor, MI | 97 out of 100, Very strong | $111.3M | 15.3% | 0.36% | vs |
| JPMorgan Chase Bank, DearbornBank Dearborn, MI | 94 out of 100, Very strong | $71.5M | 99.6% | 0.00% | vs |
| I.M. Detroit District Credit UnionCredit union Detroit, MI | 93 out of 100, Very strong | $1.9M | 28.1% | 0.00% | vs |
| The Local Credit UnionCredit union Sterling Height, MI | 92 out of 100, Very strong | $106.6M | 16.1% | 0.26% | vs |
| Electrical Workers Local 58 Credit UnionCredit union Detroit, MI | 90 out of 100, Very strong | $21.4M | 12.2% | 0.09% | vs |
| Jessop Community Federal Credit UnionCredit union Washington, PA | 87 out of 100, Very strong | $34.1M | 13.8% | 0.38% | vs |