PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Deer River Cooperative

Deer River, MN · Charter 60388

NCUA · 1 branch

Q2 2026

$31.4MAssets
$25.8MLoans
$28.1MShares
$3.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.81%, up 8 bps year over year; NIM at 3.31%.
  • Asset quality: problem loans at 0.08% of loans (+8 bps YoY).
  • Capital: net worth / assets of 10.53%, down 22 bps from a year ago.
  • Funding: loans stand at 91.80% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.81%+8 bps YoY

Net Interest Margin (YTD, annualized)

3.31%+6 bps YoY

Efficiency Ratio (YTD, annualized)

76.85%-128 bps YoY

Net Worth / Assets

10.53%-22 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.87%0.86%0.53%0.73%0.82%0.72%0.68%0.81%+8 bps
Return on Equity8.34%8.34%5.18%6.81%7.69%6.85%6.74%7.71%+90 bps
Net Interest Margin3.07%3.02%3.07%3.25%3.19%3.20%3.06%3.31%+6 bps
Efficiency Ratio73.98%74.06%83.17%78.13%75.17%78.24%79.00%76.85%-128 bps
Growth
Asset Growth (YoY)2.17%7.23%10.39%3.09%5.72%4.68%8.41%9.56%+647 bps
Loan Growth (YoY)12.43%11.72%9.18%5.37%4.31%3.31%2.31%4.55%-83 bps
Share Growth (YoY)3.68%7.15%10.63%3.49%5.40%4.27%8.49%9.80%+631 bps
Asset Quality
Delinquent Loans / Loans0.01%0.05%0.00%0.00%0.00%0.02%0.05%0.08%+8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.42%10.31%10.18%10.75%10.64%10.52%10.07%10.53%-22 bps
Net Worth / Assets10.42%10.31%10.18%10.75%10.64%10.52%10.07%10.53%-22 bps
Liquidity & Funding
Loans / Shares94.58%94.32%91.96%96.41%93.61%93.45%86.72%91.80%-461 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps