State credit union · Hibbing, Minnesota · NCUA charter #60164
Hibbing Cooperative
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $106.5M
- Total assets
- 8,080
- Members
- 18.2%
- Net-worth ratio
Hibbing Cooperative scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $106.5M; members 8,080; net-worth ratio 18.24%; health rank #2,937 of 4,374; healthier than 31st of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,937 of 4,374 health · 2025Q4Hibbing Cooperative · health 78/100 · $106.5M · 2025Q4
- CAMELS 78/100
- HEALTH 18.2%
- NW 1.39%
- DELQ 2.40%
- ROA $106.5M
- ASSETS 8,080
- MEM #2,937/4,374
- RANK Ohio Healthcare
- PHOTO 60164
Call Report peers
Hibbing Cooperative in the assets neighbourhood
Hibbing Cooperative's $106.5M assets sit next to Ohio Healthcare ($106.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Hibbing Cooperative vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Hibbing Cooperative - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #60164 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where Hibbing Cooperative diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +6.13 pp (18.24% vs 12.11%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -34.33 pp (37.87% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Minnesota standing for Hibbing Cooperative
- In Minnesota, health place is #64 of 82 on the same NCUA-ratio sort used nationally.
- By total assets, Hibbing Cooperative is #44 of 82 in Minnesota.
- Minnesota membership ordinal: #36 of 82.
In-state ordinals use the live credit_unions table for MN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Hibbing Cooperative
Hibbing Cooperative: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.0% from $106.5M (2025Q4) to $110.8M (2026Q1).
- Net-worth ratio shifted -0.20 pp (18.44% → 18.24%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 18.24%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 78/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.0 pts
- Return on Assets 15.0 pts
- Member Growth 6.4 pts
- Loan-to-Share Ratio 9.6 pts
Hibbing Cooperative health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.24% | +6.13 pp |
| Delinquency Rate | 1.39% | +0.50 pp |
| Return on Assets | 2.40% | +1.78 pp |
| Member Growth | -1.45% | - |
| Loan-to-Share Ratio | 37.87% | -34.33 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - Hibbing Cooperative
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $110.8M | - |
| 2025Q4 | $106.5M | 8,080 |
| 2024Q4 | $102.7M | 8,199 |
| 2023Q4 | $105.1M | 8,386 |
Credit Union Details
- Charter Number
- 60164
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Minnesota
- City
- Hibbing
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Hibbing Cooperative.
| Office | City |
|---|---|
| Hibbing Cooperative Credit Union (Main Office) | Hibbing, MN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Minnesota
A look at other Minnesota credit unions, ranked by how closely their peer group and asset size match this one.
Hibbing Cooperative nationwide neighbourhoods
Two NCUA Call Report peer sets for Hibbing Cooperative, both outside Minnesota so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($106.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
Using this data
- Hibbing Cooperative ranks #2,937 of 4,374 nationally on financial health and #64 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- North Star is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with North Star
- Rates and health both vary by institution, not just by state -- see how Minnesota credit unions compare overall before assuming this one is typical. Minnesota state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Hibbing Cooperative financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Hibbing Cooperative carries a financial health score of 78/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,937 of 4,374; by total assets it ranks #1,771 of 4,374 nationally (same basis as /rankings/largest); and #44 of 82 within Minnesota. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 18.24% net worth ratio and a 1.39% delinquency rate.
How does Hibbing Cooperative compare to other credit unions?
Five weighted metrics from NCUA filings produce Hibbing Cooperative's 78/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Hibbing Cooperative?
Membership eligibility for Hibbing Cooperative depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Hibbing Cooperative directly for current membership requirements and application steps.
Is my money safe at Hibbing Cooperative?
Federal credit unions like Hibbing Cooperative are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Hibbing Cooperative's net worth ratio of 18.24% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Hibbing Cooperative offer compared to banks?
Credit unions like Hibbing Cooperative are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Hibbing Cooperative directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.