DEER RIVER COOPERATIVE
Charter #60388 · DEER RIVER, MN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.16% sits at the 23rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.05% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 66th percentile but its structural peers at the 33rd — a 33-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | DEER RIVER COOPERATIVE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $32.12M | 66th pct | 33th pct |
| Members | 1,977 | 45th pct | 31th pct |
| Net worth ratio | 10.07% | 19th pct | 38th pct |
| Return on average assets | 0.70% | 52th pct | 54th pct |
| Net interest margin | 3.16% | 21th pct | 23th pct |
| Cost of funds | 1.75% | 84th pct | 64th pct |
| Loan-to-share | 86.72% | 92th pct | 69th pct |
| Delinquency 60+ days | 0.05% | 15th pct | 18th pct |
| Net charge-off ratio | 0.00% | 23th pct | 13th pct |
| Loan growth YoY | 0.77% | 76th pct | 49th pct |
| Share growth YoY | 8.77% | 93th pct | 90th pct |
| Efficiency ratio | 79.00% | 46th pct | 34th pct |
structural peer set hash: d8593ac53510fc66e433e134cab9e402… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.