HIBBING COOPERATIVE
Charter #60164 · Hibbing, MN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 18.24% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.07% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.90% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.11% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.93% sits at the 75th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | HIBBING COOPERATIVE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $110.80M | 8th pct | 61th pct |
| Members | 8,057 | 18th pct | 70th pct |
| Net worth ratio | 18.24% | 95th pct | 82th pct |
| Return on average assets | 2.07% | 97th pct | 95th pct |
| Net interest margin | 3.90% | 67th pct | 85th pct |
| Cost of funds | 0.11% | 7th pct | 8th pct |
| Loan-to-share | 35.18% | 3th pct | 21th pct |
| Delinquency 60+ days | 0.93% | 73th pct | 75th pct |
| Net charge-off ratio | 0.06% | 12th pct | 33th pct |
| Loan growth YoY | -3.51% | 13th pct | 33th pct |
| Share growth YoY | 4.69% | 68th pct | 69th pct |
| Efficiency ratio | 51.58% | 3th pct | 3th pct |
structural peer set hash: b3ab51db5aa9afd81a62dc1ae5cb2fea… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.