BlastPoint's Credit Union Scorecard
DEER RIVER COOPERATIVE
Charter #60388 · MN
DEER RIVER COOPERATIVE has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.11% above tier average
- + Loan-to-Member Ratio (LMR): Top 3.8% in tier
- + Average Member Relationship (AMR): Top 6.9% in tier
- + Loan-to-Share Ratio: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - First Mortgage Concentration (%): Bottom 2.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,992
-1.6% YoY-0.1% QoQ
|
-623 |
2,615
-1.9% YoY
|
26,823
+5.6% YoY
|
33,374
+5.7% YoY
|
51% |
| Assets |
$30.2M
+4.7% YoY+1.7% QoQ
|
+$75K |
$30.1M
+2.1% YoY
|
$530.2M
+9.2% YoY
|
$561.6M
+9.7% YoY
|
60% |
| Loans |
$25.2M
+3.3% YoY+1.6% QoQ
|
+$9.5M |
$15.8M
-1.3% YoY
|
$377.5M
+9.0% YoY
|
$397.0M
+8.8% YoY
|
77% |
| Deposits |
$27.0M
+4.3% YoY+1.8% QoQ
|
+$1.3M |
$25.7M
+1.4% YoY
|
$437.6M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
61% |
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| ROA |
0.7%
-16.7% YoY-12.7% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
1.0%
-42.4% YoY
|
0.7%
+15.9% YoY
|
52% |
| NIM |
3.2%
+5.7% YoY-0.6% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.7%
+8.9% YoY
|
3.8%
+5.1% YoY
|
25% |
| Efficiency Ratio |
78.2%
+5.6% YoY+4.1% QoQ
|
-4.3% |
82.6%
-2.3% YoY
|
75.5%
-2.5% YoY
|
79.7%
-3.3% YoY
|
47% |
| Delinquency Rate | 0.0% | -1.5 |
1.6%
-3.1% YoY
|
0.9%
+7.2% YoY
|
1.3%
-2.1% YoY
|
Top 13.4% in tier |
| Loan To Share |
93.5%
-0.9% YoY-0.2% QoQ
|
+32.8% |
60.6%
-3.1% YoY
|
75.7%
-1.2% YoY
|
67.4%
-1.7% YoY
|
Top 7.9% in tier |
| AMR |
$26,234
+5.5% YoY+1.8% QoQ
|
+$11K |
$14,783
-1.4% YoY
|
$23,721
+5.3% YoY
|
$19,687
+2.0% YoY
|
Top 6.9% in tier |
| CD Concentration |
21.3%
+18.6% YoY+3.4% QoQ
|
-3.1% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.5% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)