Deer River Cooperative
Deer River, MN · Charter 60388 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$31.4MAssets
$25.8MLoans
$28.1MShares
$3.3MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 88% of credit unions under $1B in assets (rank 210 of 1682).
- Widest gap: net interest margin trails 75% of credit unions under $1B in assets (rank 1266 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.81%
Rank 774 of 1,683
Net Interest Margin
3.31%
Rank 1,266 of 1,683
Efficiency Ratio
76.77%
Rank 763 of 1,682
Equity / Assets
10.53%
Rank 1,249 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.81% | 0.35% | 0.74% | 1.18% | Beats 54% | 774 / 1,683 | | |
| Return on Equity | 7.68% | 2.67% | 5.89% | 8.74% | Beats 67% | 559 / 1,681 | | |
| Net Interest Margin | 3.31% | 3.31% | 3.82% | 4.32% | Beats 25% | 1,266 / 1,683 | | |
| Efficiency Ratio | 76.77% | 68.91% | 78.20% | 86.93% | Beats 55% | 763 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.08% | 0.26% | 0.65% | 1.29% | Beats 88% | 210 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.53% | 10.44% | 12.89% | 16.53% | Beats 26% | 1,249 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.53% | 10.44% | 12.89% | 16.53% | Beats 26% | 1,249 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 91.80% | 52.61% | 69.38% | 83.50% | 89th pctl | 179 / 1,683 | | |
| Loans / Assets | 82.06% | 44.71% | 59.18% | 70.72% | 94th pctl | 99 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |