Side-by-side · Q2 2026 data
Deer River Cooperative vs West Metro Schools Credit Union
Credit union
West Metro Schools Credit Union
Hopkins, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Deer River Cooperative | West Metro Schools Credit Union |
|---|---|---|
| TellerScore | 71 (stronger) | 65 |
| Capital cushion | 55 | 100 (stronger) |
| Loan quality | 97 (stronger) | 4 |
| Earnings | 52 | 54 (stronger) |
| Funding & liquidity | 68 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 86 |
| Peer percentile | 42nd | 30th |
| Total assets | $31.4M | $43.6M |
| Deposits / shares | $28.1M | $35.7M |
| Capital ratio | 10.53% | 17.85% (stronger) |
| Problem loans | 0.08% (stronger) | 2.87% |
| Net charge-offs | 0.00% (stronger) | 0.75% |
| Return on assets | 0.81% | 0.84% (stronger) |
| Loans ÷ deposits | 91.8% | 54.9% (stronger) |
| Uninsured deposits | 2.1% | 1.0% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Deer River Cooperative has the higher TellerScore (71 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Deer River Cooperative leads on 3 and West Metro Schools Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.