BlastPoint's Credit Union Scorecard
HIBBING COOPERATIVE
Charter #60164 · MN
HIBBING COOPERATIVE has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.30% above tier average
- + Net Interest Margin 0.20% above tier average
- + Members Per Employee (MPE): Top 1.1% in tier
- + Share Certificate Concentration (%): Top 1.2% in tier
- + Efficiency Ratio: Top 2.6% in tier
- + Net Worth Ratio: Top 4.9% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Cost Spiral: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Delinquency rate 0.16% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,057
-1.2% YoY-0.3% QoQ
|
-7.1K |
15,145
-2.5% YoY
|
22,507
-13.7% YoY
|
33,913
+5.7% YoY
|
18% |
| Assets |
$110.8M
+5.3% YoY+4.0% QoQ
|
$-120.9M |
$231.7M
+0.8% YoY
|
$434.0M
-15.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 7.6% in tier |
| Loans |
$31.9M
-3.1% YoY-3.2% QoQ
|
$-112.2M |
$144.1M
+0.2% YoY
|
$293.6M
-17.5% YoY
|
$402.4M
+8.7% YoY
|
Bottom 1.4% in tier |
| Deposits |
$90.7M
+3.3% YoY+4.2% QoQ
|
$-110.4M |
$201.1M
+0.4% YoY
|
$364.1M
-13.5% YoY
|
$494.3M
+9.1% YoY
|
Bottom 3.9% in tier |
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| ROA |
2.0%
-28.6% YoY-18.8% QoQ
|
+1.3% |
0.7%
+5.1% YoY
|
0.2%
-92.6% YoY
|
0.4%
-39.2% YoY
|
Top 3.3% in tier |
| NIM |
3.8%
-2.4% YoY-5.1% QoQ
|
+0.2% |
3.6%
+4.6% YoY
|
3.7%
+5.4% YoY
|
3.8%
+4.1% YoY
|
65% |
| Efficiency Ratio |
51.6%
+29.4% YoY+16.5% QoQ
|
-26.4% |
78.0%
-1.7% YoY
|
102.0%
+29.5% YoY
|
84.6%
+2.8% YoY
|
Top 2.6% in tier |
| Delinquency Rate |
0.9%
+36.0% YoY-33.2% QoQ
|
+0.2 |
0.8%
+7.1% YoY
|
0.8%
-5.2% YoY
|
1.2%
+3.4% YoY
|
73% |
| Loan To Share |
35.2%
-6.2% YoY-7.1% QoQ
|
-35.2% |
70.4%
-0.4% YoY
|
73.2%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 2.8% in tier |
| AMR |
$15,219
+2.8% YoY+2.5% QoQ
|
$-10K |
$24,918
+2.7% YoY
|
$24,012
+4.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 9.8% in tier |
| CD Concentration |
0.3%
+118.7% YoY+3.5% QoQ
|
-23.9% | 24.3% | 22.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (7)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)