DEER RIVER COOPERATIVE
Charter #60388 | MN
<100M
(2596 CUs)
Micro
($0-$500M)
38 <100M in MN
DEER RIVER COOPERATIVE has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.15% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 4.1% in tier
- + Average Member Relationship (AMR): Top 7.1% in tier
- + Loan-to-Share Ratio: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - First Mortgage Concentration (%): Bottom 2.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,994
-1.1% YoY-1.5% QoQ
|
-631 |
2,625
-2.2% YoY
|
26,738
+5.8% YoY
|
33,089
+6.1% YoY
|
51st in tier |
| Assets |
$29.7M
+5.7% YoY+3.6% QoQ
|
$-151K |
$29.9M
+1.1% YoY
|
$521.2M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
60th in tier |
| Loans |
$24.8M
+4.3% YoY+0.8% QoQ
|
+$9.1M |
$15.8M
-2.4% YoY
|
$373.7M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
Top 23.2% in tier |
| Deposits |
$26.5M
+5.4% YoY+3.8% QoQ
|
+$1.1M |
$25.5M
+0.4% YoY
|
$429.0M
+9.5% YoY
|
$464.6M
+9.3% YoY
|
61st in tier |
| ROA |
0.8%
-4.8% YoY+15.5% QoQ
|
+0.1% |
0.7%
-731.4% YoY
|
1.4%
-35.4% YoY
|
0.7%
+273.4% YoY
|
53rd in tier |
| NIM |
3.2%
+5.2% YoY+1.7% QoQ
|
-0.7% |
3.9%
+3.8% YoY
|
3.7%
+9.1% YoY
|
3.7%
+5.0% YoY
|
26th in tier |
| Efficiency Ratio |
75.2%
+1.6% YoY-3.8% QoQ
|
-6.2% |
81.4%
-2.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
42nd in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
-2.0% YoY
|
0.9%
+10.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
93.6%
-1.0% YoY-2.9% QoQ
|
+32.4% |
61.2%
-3.0% YoY
|
77.1%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Top 8.2% in tier |
| AMR |
$25,769
+6.1% YoY+3.9% QoQ
|
+$11K |
$14,627
-2.7% YoY
|
$23,275
+3.9% YoY
|
$19,418
+1.3% YoY
|
Top 7.1% in tier |
| CD Concentration |
20.6%
+45.9% YoY+16.6% QoQ
|
-3.8% |
24.4%
+4.2% YoY
|
22.0%
+1.9% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
6.6%
-8.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (10 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
108
Loan-to-Member Ratio (LMR)
engagement
Value:
$12,459
Peer Avg: $5,488
#108 of 2596
Top 4.1% in <100M tier
185
Average Member Relationship (AMR)
engagement
Value:
$25,769
Peer Avg: $14,627
#185 of 2596
Top 7.1% in <100M tier
210
Loan-to-Share Ratio
balance_sheet
Value:
93.61%
Peer Avg: 61.23%
#210 of 2596
Top 8.1% in <100M tier
546
AMR Growth Rate
growth
Value:
6.08%
Peer Avg: 4.67%
#546 of 2596
Top 21.0% in <100M tier
563
Asset Growth Rate
growth
Value:
5.72%
Peer Avg: 1.82%
#563 of 2596
Top 21.6% in <100M tier
574
Deposit Growth Rate
growth
Value:
5.40%
Peer Avg: 16.80%
#574 of 2596
Top 22.1% in <100M tier
583
Loan Growth Rate
growth
Value:
4.31%
Peer Avg: 59.01%
#583 of 2596
Top 22.4% in <100M tier
602
Total Loans
balance_sheet
Value:
$24.84M
Peer Avg: $15.77M
#602 of 2596
Top 23.2% in <100M tier
Top Weaknesses (2 metrics)
2542
First Mortgage Concentration (%)
balance_sheet
Value:
70.61%
Peer Avg: 14.49%
#2542 of 2596
Bottom 2.1% in <100M tier
2027
Net Worth Ratio
risk
Value:
10.63%
Peer Avg: 16.43%
#2027 of 2596
Bottom 22.0% in <100M tier