BlastPoint's Credit Union Scorecard
HIBBING COOPERATIVE
Charter #60164 · MN
1077 CUs in 100M-500M nationally
31 in MN
HIBBING COOPERATIVE has 9 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Profitability Leader: Top 3.0% in tier
- + ROA 1.82% above tier average
- + Net Interest Margin 0.45% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 0.5% in tier
- + Efficiency Ratio: Top 0.6% in tier
- + Members Per Employee (MPE): Top 1.0% in tier
- + Share Certificate Concentration (%): Top 1.3% in tier
- + Net Worth Ratio: Top 5.0% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 10.8% in tier
- - Liquidity Overhang: Bottom 17.3% in tier
- - Membership Headwinds: Bottom 20.0% in tier
- - Institutional Decline: Bottom 29.9% in tier
- - Total Loans: Bottom 1.5% in tier
- - Total Deposits: Bottom 1.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.2% in tier
- - Total Assets: Bottom 3.4% in tier
- - Loan-to-Share Ratio: Bottom 3.7% in tier
- - Fee Income Per Member: Bottom 7.1% in tier
- - Average Member Relationship (AMR): Bottom 9.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,097
-2.0% YoY-0.2% QoQ
|
-7.5K |
15,628
-3.4% YoY
|
26,738
+5.8% YoY
|
33,089
+6.1% YoY
|
17% |
| Assets |
$105.5M
+2.9% YoY-0.2% QoQ
|
$-125.8M |
$231.3M
-0.0% YoY
|
$521.2M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 3.3% in tier |
| Loans |
$33.1M
-3.1% YoY-0.8% QoQ
|
$-114.7M |
$147.8M
-1.4% YoY
|
$373.7M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 1.4% in tier |
| Deposits |
$86.6M
+0.1% YoY-1.1% QoQ
|
$-113.6M |
$200.3M
-0.0% YoY
|
$429.0M
+9.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 1.4% in tier |
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| ROA |
2.6%
+9.9% YoY-1.9% QoQ
|
+1.8% |
0.8%
+15.5% YoY
|
1.4%
-35.4% YoY
|
0.7%
+273.4% YoY
|
Top 1.0% in tier |
| NIM |
4.0%
+4.8% YoY+1.7% QoQ
|
+0.5% |
3.6%
+6.9% YoY
|
3.7%
+9.1% YoY
|
3.7%
+5.0% YoY
|
76% |
| Efficiency Ratio |
42.1%
-3.5% YoY+3.5% QoQ
|
-35.2% |
77.3%
-3.0% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 0.6% in tier |
| Delinquency Rate |
0.6%
-32.3% YoY+2.5% QoQ
|
-0.3 |
0.9%
+7.6% YoY
|
0.9%
+10.7% YoY
|
1.2%
-0.9% YoY
|
43% |
| Loan To Share |
38.2%
-3.2% YoY+0.3% QoQ
|
-34.5% |
72.7%
-1.5% YoY
|
77.1%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 3.6% in tier |
| AMR |
$14,785
+1.1% YoY-0.7% QoQ
|
$-10K |
$24,363
+2.9% YoY
|
$23,275
+3.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 8.9% in tier |
| CD Concentration |
0.3%
+118.9% YoY+27.6% QoQ
|
-24.1% |
24.4%
+4.2% YoY
|
22.0%
+1.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
6.6%
-8.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Profitability Leader
growth
#11 of 340 • Top 3.0% in tier
Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Why This Signature
Return on Assets:
2.61%
(Tier:
0.77%, National:
0.71%)
ROA Change (YoY):
0.24% points
(Tier:
0.11% points, National:
0.05% points)
340 of 1077 Community CUs have this signature |
457 nationally
→ Stable (341→340 CUs)
-1 CUs YoY
Concerns (4)
Stagnation Risk
risk
#179 of 550 • Bottom 10.8% in tier
Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Why This Signature
Member Growth (YoY):
-1.96%
(Tier:
0.88%, National:
9.37%)
Loan Growth (YoY):
-3.11%
(Tier:
3.65%, National:
36.38%)
Delinquency Rate:
0.56%
(Tier:
0.85%, National:
1.23%)
550 of 1077 Community CUs have this signature |
648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank improving
Liquidity Overhang
risk
#24 of 134 • Bottom 17.3% in tier
Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Why This Signature
Net Worth Ratio:
18.08%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
38.17%
(Tier:
74.56%, National:
67.96%)
134 of 1077 Community CUs have this signature |
155 nationally
↑ Growing
+25 CUs YoY
|
New qualifier
Membership Headwinds
decline
#330 of 550 • Bottom 20.0% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-1.96%
(Tier:
0.88%, National:
9.37%)
550 of 1077 Community CUs have this signature |
648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank improving
Institutional Decline
decline
#236 of 256 • Bottom 29.9% in tier
Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Why This Signature
Total Assets:
$105.49M
(Tier: $331.87M, National: $547.69M)
Member Growth (YoY):
-1.96%
(Tier:
0.88%, National:
9.37%)
Loan Growth (YoY):
-3.11%
(Tier:
3.65%, National:
36.38%)
256 of 1077 Community CUs have this signature |
293 nationally
↓ Shrinking
-43 CUs YoY
|
New qualifier
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 (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 1077
Top 0.0% in 100M-500M tier
6
Net Charge-Off Rate
risk
Value:
-0.03%
Peer Avg: -
#6 of 1077
Top 0.5% in 100M-500M tier
7
Efficiency Ratio
profitability
Value:
42.07%
Peer Avg: -
#7 of 1077
Top 0.6% in 100M-500M tier
11
Return on Assets (ROA)
profitability
Value:
2.61%
Peer Avg: -
#11 of 1077
Top 0.9% in 100M-500M tier
12
Members Per Employee (MPE)
engagement
Value:
674.750
Peer Avg: -
#12 of 1077
Top 1.0% in 100M-500M tier
15
Share Certificate Concentration (%)
balance_sheet
Value:
0.32%
Peer Avg: -
#15 of 1077
Top 1.3% in 100M-500M tier
55
Net Worth Ratio
risk
Value:
18.08%
Peer Avg: -
#55 of 1077
Top 5.0% in 100M-500M tier
237
First Mortgage Concentration (%)
balance_sheet
Value:
15.62%
Peer Avg: -
#237 of 1077
Top 21.9% in 100M-500M tier
263
Net Interest Margin (NIM)
profitability
Value:
4.04%
Peer Avg: -
#263 of 1077
Top 24.3% in 100M-500M tier
Top Weaknesses (10 metrics)
1062
Total Loans
balance_sheet
Value:
$33.07M
Peer Avg: -
#1062 of 1077
Bottom 1.5% in 100M-500M tier
1062
Total Deposits
balance_sheet
Value:
$86.64M
Peer Avg: -
#1062 of 1077
Bottom 1.5% in 100M-500M tier
1054
Loan-to-Member Ratio (LMR)
engagement
Value:
$4,085
Peer Avg: -
#1054 of 1077
Bottom 2.2% in 100M-500M tier
1041
Total Assets
balance_sheet
Value:
$105.49M
Peer Avg: -
#1041 of 1077
Bottom 3.4% in 100M-500M tier
1038
Loan-to-Share Ratio
balance_sheet
Value:
38.17%
Peer Avg: -
#1038 of 1077
Bottom 3.7% in 100M-500M tier
1002
Fee Income Per Member
profitability
Value:
$77.47
Peer Avg: -
#1002 of 1077
Bottom 7.1% in 100M-500M tier
981
Average Member Relationship (AMR)
engagement
Value:
$14,785
Peer Avg: -
#981 of 1077
Bottom 9.0% in 100M-500M tier
897
Total Members
engagement
Value:
8,097
Peer Avg: -
#897 of 1077
Bottom 16.8% in 100M-500M tier
870
Deposit Growth Rate
growth
Value:
0.06%
Peer Avg: -
#870 of 1077
Bottom 19.3% in 100M-500M tier
866
Loan Growth Rate
growth
Value:
-3.11%
Peer Avg: -
#866 of 1077
Bottom 19.7% in 100M-500M tier