# EXTRA
WARREN, MI · NCUA charter 60428 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/extra-60428

Who the members are: state charter, organized 1954, low-income designated. 19,006 members of 10,080,000 potential (0.2% of the field); checking penetration 74% (share draft accounts per 100 members); loans per 100 members 94.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $344.4M |
| Members | 19,006 (-0.3% YoY) |
| Full-time staff | 91 |
| Net worth | $59.0M |
| Net worth ratio | 17.1% (p95 of band) |
| ROA (annualized) | 0.68% (p49 of band) |
| Total delinquency | 1.40% (p90 of band) |
| Net charge-offs (annualized) | 2.35% (p99 of band) |
| Loans / shares | 64% (p30 of band) |
| Cash / assets | 10.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.92% (p98 of band) |
| Operating expense / assets | 5.17% (p95 of band) |
| Vehicles % of loans | 28% (p41 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 76% (p48 of band) |
| Vehicle delinquency | 0.92% (p73 of band) |
| Vehicle NCO | 2.48% (p94 of band) |
| Repossessed % of vehicle book | 0.22% (p85 of band) |
| Real estate % of loans | 44% |
| Credit cards % of loans | 14% |
| Unsecured % of loans | 24% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 60% |
| Certificates % of member funds | 17% |
| Average share balance | $7,753 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $510,589 |
| Loans outstanding per 100 members | 94% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $10,230 |
| Loans granted, annualized | $39.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $510,589 outstanding purchased (0.9% of net worth), $1,016 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 0.5% year over year.

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, charge-offs p90, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  | charge-offs p90 |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | charge-offs p90 |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 2 |  | thin capital |
| 2017-12 | 4 | delinquency 2x band, delinquency rising |  |
| 2018-03 | 5 | thin capital |  |
| 2018-06 | 5 | expense trap | thin capital |
| 2018-09 | 5 |  |  |
| 2018-12 | 3 |  | delinquency rising, expense trap |
| 2019-03 | 3 |  |  |
| 2019-06 | 4 | expense trap |  |
| 2019-09 | 5 | members leaving |  |
| 2019-12 | 3 |  | delinquency 2x band, members leaving |
| 2020-03 | 4 | delinquency 2x band |  |
| 2020-06 | 5 | net worth falling, margin squeeze | expense trap |
| 2020-09 | 3 |  | delinquency 2x band, net worth falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 5 | delinquency 2x band, delinquency rising |  |
| 2021-12 | 3 |  | delinquency 2x band, delinquency rising |
| 2022-03 | 2 |  | margin squeeze |
| 2022-06 | 3 | delinquency 2x band |  |
| 2022-09 | 4 | expense trap |  |
| 2022-12 | 6 | delinquency rising, assets shrinking |  |
| 2023-03 | 4 |  | 3rd-party paper>100% NW, assets shrinking |
| 2023-06 | 3 |  | delinquency rising |
| 2023-09 | 3 | assets shrinking | delinquency 2x band |
| 2023-12 | 2 |  | assets shrinking |
| 2024-03 | 2 |  |  |
| 2024-06 | 3 | delinquency 2x band |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 |  | delinquency 2x band |
| 2025-03 | 3 | net worth falling |  |
| 2025-06 | 3 | delinquency 2x band | net worth falling |
| 2025-09 | 3 |  |  |
| 2025-12 | 2 |  | delinquency 2x band |
| 2026-03 | 3 | delinquency 2x band |  |

## In the news (Google News, unfiltered, newest first; check the city)

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## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60428 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/12.json (key "60428", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=60428
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide