Deer River Cooperative

DEER RIVER, MN · 2 · Charter #60388 · www.drccu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$30.2M
78th percentile
Members
1,992
65th percentile
Total loans
$25.2M
94th percentile
Total shares
$27.0M
80th percentile

Profitability

Return on assets
0.74%
47th percentile
Net interest margin
3.20%
24th percentile
Efficiency ratio
53.87%
77th percentile
Non-interest income ratio
4.12%
30th percentile

Capital & Risk

Net worth ratio
10.52%
19th percentile
Delinquency rate
0.02%
83th percentile
Net charge-off rate
0.04%
68th percentile
Loan-to-share
93.45%
89th percentile

Growth

Member growth YoY
-1.63%
48th percentile
Asset growth YoY
4.68%
72th percentile
Loan growth YoY
3.31%
74th percentile
Share growth YoY
4.27%
71th percentile

Operations

Members / branch
1,992
78th percentile
Assets / member
$15,171
86th percentile
Field of membership penetration
30.65%
44th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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