Credit Union Safety Analysis
Is Hibbing Cooperative Credit Union Safe? Hibbing, Minnesota
Based on its Q2 2026 NCUA 5300 call report, Hibbing Cooperative Credit Union has a net worth ratio of 19.08%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.90%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Hibbing Cooperative Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Hibbing Cooperative Credit Union's net worth ratio is 19.08%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 19.08%
- Delinquency ratio (60+ days) (Q2 2026): 0.90%
- Return on assets (Q2 2026): 2.08%
- Loan-to-share ratio (Q2 2026): 37.05%
Hibbing Cooperative Credit Union (NCUA charter 60164, established 1938) reported $108.9M in assets and 8,076 members for Q2 2026 from Hibbing, Minnesota. It ranks 42 of 79 credit unions in Minnesota by total assets. Total assets grew 3.0% from $105.7M on June 30, 2025. It has 41 fewer members than on June 30, 2025 (-0.5%). Its net worth ratio was up 1.67 percentage points from 17.41% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $9.2M of $32.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.90% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 18.24% for Q1 2026; 17.41% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.93% for Q1 2026; 0.55% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 2.03% for Q1 2026; 2.51% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 35.18% for Q1 2026; 38.07% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $9.2M
- Used vehicle loans: $8.6M
- New vehicle loans: $7.2M
- Other secured non-real estate loans and lines of credit: $6.8M
- Other unsecured loans and lines of credit: $502K
- Unsecured credit card loans: $484K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $108.9M | 19.08% | 0.90% | 2.08% | 37.05% |
| March 31, 2026 | $110.8M | 18.24% | 0.93% | 2.03% | 35.18% |
| December 31, 2025 | $106.5M | 18.44% | 1.39% | 2.18% | 37.87% |
| September 30, 2025 | $105.5M | 18.08% | 0.56% | 2.51% | 38.17% |
| June 30, 2025 | $105.7M | 17.41% | 0.55% | 2.51% | 38.07% |
| March 31, 2025 | $105.2M | 16.86% | 0.68% | 2.81% | 37.51% |
Add this badge to your website
Free to use. It shows Hibbing Cooperative Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Hibbing Cooperative Credit Union profile
Regulator records: NCUA credit union profile (charter 60164) · FFIEC NIC profile (RSSD 559898)
Frequently asked questions
Is Hibbing Cooperative Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Hibbing Cooperative Credit Union's net worth ratio is 19.08%, above the 7% NCUA threshold for well capitalized.
Is Hibbing Cooperative Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Hibbing Cooperative Credit Union is a federally insured credit union (NCUA charter 60164): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Hibbing Cooperative Credit Union's key safety ratios?
For Q2 2026, Hibbing Cooperative Credit Union reports net worth 19.08%, delinquency 0.90%, ROA 2.08%, loan-to-share 37.05%.
What happens to my money if Hibbing Cooperative Credit Union fails?
For Q2 2026, Hibbing Cooperative Credit Union held $88.3M in shares and deposits for 8,076 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.