BlastPoint's Credit Union Scorecard
HIBBING COOPERATIVE
Charter #60164 · MN
1069 CUs in 100M-500M nationally
31 in MN
HIBBING COOPERATIVE has 8 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.73% above tier average
- + Net Interest Margin 0.43% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 0.5% in tier
- + Net Charge-Off Rate: Top 0.7% in tier
- + Members Per Employee (MPE): Top 1.1% in tier
- + Share Certificate Concentration (%): Top 1.3% in tier
- + Net Worth Ratio: Top 4.6% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 12.7% in tier
- - Credit Quality Pressure: Bottom 13.9% in tier
- - Stagnation Risk: Bottom 48.6% in tier
- - Membership Headwinds: Bottom 75.6% in tier
- - Institutional Decline: Bottom 97.9% in tier
- - Delinquency rate 0.50% above tier average
- - Total Loans: Bottom 1.4% in tier
- - Total Deposits: Bottom 1.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.1% in tier
- - Loan-to-Share Ratio: Bottom 3.6% in tier
- - Total Assets: Bottom 4.5% in tier
- - Fee Income Per Member: Bottom 4.7% in tier
- - Average Member Relationship (AMR): Bottom 8.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,080
-1.5% YoY-0.2% QoQ
|
-7.4K |
15,437
-2.9% YoY
|
26,823
+5.6% YoY
|
33,374
+5.7% YoY
|
18% |
| Assets |
$106.5M
+3.7% YoY+1.0% QoQ
|
$-125.3M |
$231.9M
+1.3% YoY
|
$530.2M
+9.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 4.4% in tier |
| Loans |
$33.0M
-0.7% YoY-0.4% QoQ
|
$-114.4M |
$147.3M
-0.1% YoY
|
$377.5M
+9.0% YoY
|
$397.0M
+8.8% YoY
|
Bottom 1.3% in tier |
| Deposits |
$87.0M
+1.3% YoY+0.4% QoQ
|
$-113.8M |
$200.8M
+0.8% YoY
|
$437.6M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 1.4% in tier |
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| ROA |
2.5%
-0.0% YoY-4.3% QoQ
|
+1.7% |
0.8%
+18.2% YoY
|
1.0%
-42.4% YoY
|
0.7%
+15.9% YoY
|
Top 1.0% in tier |
| NIM |
4.0%
+2.2% YoY-0.1% QoQ
|
+0.4% |
3.6%
+6.7% YoY
|
3.7%
+8.9% YoY
|
3.8%
+5.1% YoY
|
74% |
| Efficiency Ratio |
44.3%
+2.9% YoY+5.2% QoQ
|
-32.7% |
77.0%
-3.1% YoY
|
75.5%
-2.5% YoY
|
79.7%
-3.3% YoY
|
Bottom 0.5% in tier |
| Delinquency Rate |
1.4%
+73.0% YoY+147.3% QoQ
|
+0.5 |
0.9%
+4.2% YoY
|
0.9%
+7.2% YoY
|
1.3%
-2.1% YoY
|
84% |
| Loan To Share |
37.9%
-2.0% YoY-0.8% QoQ
|
-34.4% |
72.2%
-1.1% YoY
|
75.7%
-1.2% YoY
|
67.4%
-1.7% YoY
|
Bottom 3.6% in tier |
| AMR |
$14,847
+2.2% YoY+0.4% QoQ
|
$-10K |
$24,676
+3.4% YoY
|
$23,721
+5.3% YoY
|
$19,687
+2.0% YoY
|
Bottom 8.6% in tier |
| CD Concentration |
0.3%
+111.1% YoY+4.1% QoQ
|
-24.1% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.5% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Liquidity Overhang
risk
#18 of 135 • Bottom 12.7% in tier
Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Why This Signature
Net Worth Ratio:
18.44%
(Tier:
11.97%, National:
14.49%)
Loan-to-Share Ratio:
37.87%
(Tier:
74.08%, National:
67.44%)
135 of 1069 Mid-Small & Community CUs have this signature |
155 nationally
↑ Growing
+17 CUs YoY
|
Rank improving
Credit Quality Pressure
risk
#99 of 705 • Bottom 13.9% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.59% points
(Tier:
0.03% points, National:
0.06% points)
705 of 1069 Mid-Small & Community CUs have this signature |
969 nationally
↓ Shrinking
-150 CUs YoY
|
Rank improving
Stagnation Risk
risk
#270 of 554 • Bottom 48.6% in tier
Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Why This Signature
Member Growth (YoY):
-1.45%
(Tier:
0.69%, National:
4.32%)
Loan Growth (YoY):
-0.71%
(Tier:
4.11%, National:
111.96%)
Delinquency Rate:
1.39%
(Tier:
0.89%, National:
1.28%)
554 of 1069 Mid-Small & Community CUs have this signature |
652 nationally
→ No prior data (554 CUs now)
|
New qualifier
Membership Headwinds
decline
#419 of 554 • Bottom 75.6% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-1.45%
(Tier:
0.69%, National:
4.32%)
554 of 1069 Mid-Small & Community CUs have this signature |
652 nationally
→ No prior data (554 CUs now)
|
New qualifier
Institutional Decline
decline
#235 of 240 • Bottom 97.9% in tier
Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Why This Signature
Total Assets:
$106.55M
(Tier: $334.15M, National: $561.61M)
Member Growth (YoY):
-1.45%
(Tier:
0.69%, National:
4.32%)
Loan Growth (YoY):
-0.71%
(Tier:
4.11%, National:
111.96%)
240 of 1069 Mid-Small & Community CUs have this signature |
277 nationally
→ No prior data (240 CUs now)
|
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 (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 1069
Top 0.0% in 100M-500M tier
6
Efficiency Ratio
profitability
Value:
44.27%
Peer Median: -
#6 of 1069
Top 0.5% in 100M-500M tier
9
Net Charge-Off Rate
risk
Value:
-0.00%
Peer Median: -
#9 of 1069
Top 0.7% in 100M-500M tier
11
Return on Assets (ROA)
profitability
Value:
2.49%
Peer Median: -
#11 of 1069
Top 0.9% in 100M-500M tier
13
Members Per Employee (MPE)
engagement
Value:
673.333
Peer Median: -
#13 of 1069
Top 1.1% in 100M-500M tier
15
Share Certificate Concentration (%)
balance_sheet
Value:
0.33%
Peer Median: -
#15 of 1069
Top 1.3% in 100M-500M tier
50
Net Worth Ratio
risk
Value:
18.44%
Peer Median: -
#50 of 1069
Top 4.6% in 100M-500M tier
239
First Mortgage Concentration (%)
balance_sheet
Value:
15.74%
Peer Median: -
#239 of 1069
Top 22.3% in 100M-500M tier
Top Weaknesses (10 metrics)
1055
Total Loans
balance_sheet
Value:
$32.95M
Peer Median: -
#1055 of 1069
Bottom 1.4% in 100M-500M tier
1054
Total Deposits
balance_sheet
Value:
$87.01M
Peer Median: -
#1054 of 1069
Bottom 1.5% in 100M-500M tier
1048
Loan-to-Member Ratio (LMR)
engagement
Value:
$4,078
Peer Median: -
#1048 of 1069
Bottom 2.1% in 100M-500M tier
1031
Loan-to-Share Ratio
balance_sheet
Value:
37.87%
Peer Median: -
#1031 of 1069
Bottom 3.6% in 100M-500M tier
1022
Total Assets
balance_sheet
Value:
$106.55M
Peer Median: -
#1022 of 1069
Bottom 4.5% in 100M-500M tier
1020
Fee Income Per Member
profitability
Value:
$71.46
Peer Median: -
#1020 of 1069
Bottom 4.7% in 100M-500M tier
977
Average Member Relationship (AMR)
engagement
Value:
$14,847
Peer Median: -
#977 of 1069
Bottom 8.7% in 100M-500M tier
894
Total Delinquency Rate (60+ days)
risk
Value:
1.39%
Peer Median: -
#894 of 1069
Bottom 16.5% in 100M-500M tier
882
Total Members
engagement
Value:
8,080
Peer Median: -
#882 of 1069
Bottom 17.6% in 100M-500M tier
803
Deposit Growth Rate
growth
Value:
1.29%
Peer Median: -
#803 of 1069
Bottom 25.0% in 100M-500M tier