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 1.19% above tier average
- + Net Interest Margin 0.25% above tier average
- + Members Per Employee (MPE): Top 1.2% in tier
- + Share Certificate Concentration (%): Top 1.3% in tier
- + Efficiency Ratio: Top 2.4% in tier
- + Net Worth Ratio: Top 4.5% 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
- - Total Loans: Bottom 1.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 31 that size in Minnesota.
- Shares and deposits +0.8% year over year ($88.3M in shares and deposits).
- Membership: 8,076 members, -0.5% vs a year ago.
- Delinquency rate 0.90%.
- Return on assets 2.06%.
- Efficiency ratio 51.41% vs a 76.73% peer average.
- Loan-to-share ratio 37.05% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,076
-0.5% YoY+0.2% QoQ
|
-7.1K |
15,168
-2.6% YoY
|
22,911
-12.6% YoY
|
34,678
+6.6% YoY
|
19% |
| Assets |
$108.9M
+3.0% YoY-1.7% QoQ
|
$-123.1M |
$232.0M
+0.7% YoY
|
$439.2M
-13.6% YoY
|
$593.1M
+10.2% YoY
|
Bottom 6.2% in tier |
| Loans |
$32.7M
-1.9% YoY+2.5% QoQ
|
$-113.6M |
$146.3M
+0.2% YoY
|
$304.0M
-16.2% YoY
|
$418.6M
+10.1% YoY
|
Bottom 1.6% in tier |
| Deposits |
$88.3M
+0.8% YoY-2.7% QoQ
|
$-112.4M |
$200.7M
+0.2% YoY
|
$366.9M
-12.4% YoY
|
$504.8M
+10.3% YoY
|
Bottom 2.2% in tier |
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| ROA |
2.1%
-22.7% YoY+1.4% QoQ
|
+1.2% |
0.9%
+12.5% YoY
|
1.8%
-6.5% YoY
|
1.2%
+121.4% YoY
|
Top 3.0% in tier |
| NIM |
3.9%
-0.9% YoY+2.7% QoQ
|
+0.2% |
3.7%
+4.5% YoY
|
3.8%
+5.6% YoY
|
3.8%
+2.3% YoY
|
67% |
| Efficiency Ratio |
51.4%
+26.4% YoY-0.3% QoQ
|
-25.3% |
76.7%
-0.8% YoY
|
101.1%
+34.5% YoY
|
83.0%
-5.3% YoY
|
Top 2.4% in tier |
| Delinquency Rate |
0.9%
+64.0% YoY-3.2% QoQ
|
+0.0 |
0.9%
+6.6% YoY
|
1.0%
+6.0% YoY
|
1.3%
+2.6% YoY
|
64% |
| Loan To Share |
37.1%
-2.7% YoY+5.3% QoQ
|
-34.5% |
71.5%
-0.3% YoY
|
75.4%
-1.3% YoY
|
66.4%
-1.4% YoY
|
Bottom 3.4% in tier |
| AMR |
$14,983
+0.6% YoY-1.6% QoQ
|
$-10K |
$25,107
+3.2% YoY
|
$23,990
+3.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 8.9% in tier |
| CD Concentration |
0.3%
+30.7% YoY-5.0% QoQ
|
-24.2% | 24.6% | 21.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)