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Hibbing Cooperative

Hibbing, MN · Charter 60164

NCUA · 1 branch

Q2 2026

$108.9MAssets
$32.7MLoans
$88.3MShares
$20.8MNet Worth

Executive Summary

  • Earnings: ROA of 2.07%, down 58 bps year over year; NIM at 3.97%.
  • Asset quality: problem loans at 0.90% of loans (+35 bps YoY).
  • Capital: net worth / assets of 19.08%, up 166 bps from a year ago.
  • Funding: loans stand at 37.05% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

2.07%-58 bps YoY

Net Interest Margin (YTD, annualized)

3.97%+1 bps YoY

Efficiency Ratio (YTD, annualized)

51.41%+1,075 bps YoY

Net Worth / Assets

19.08%+166 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.37%2.49%2.81%2.65%2.61%2.48%2.03%2.07%-58 bps
Return on Equity14.95%15.06%16.64%15.23%14.44%13.46%11.11%10.87%-437 bps
Net Interest Margin3.85%3.94%3.88%3.96%4.04%4.01%3.83%3.97%+1 bps
Efficiency Ratio43.58%43.03%39.87%40.66%42.07%44.27%51.58%51.41%+1,075 bps
Growth
Asset Growth (YoY)-4.57%-2.24%0.52%3.23%2.87%3.71%5.32%3.04%-19 bps
Loan Growth (YoY)11.62%4.54%3.24%0.24%-3.11%-0.71%-3.06%-1.87%-212 bps
Share Growth (YoY)-7.59%-5.29%-2.50%0.53%0.06%1.29%3.34%0.83%+30 bps
Asset Quality
Delinquent Loans / Loans0.83%0.81%0.68%0.55%0.56%1.39%0.93%0.90%+35 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.86%16.55%16.86%17.41%18.08%18.44%18.24%19.08%+166 bps
Net Worth / Assets15.86%16.55%16.86%17.41%18.08%18.44%18.24%19.08%+166 bps
Liquidity & Funding
Loans / Shares39.42%38.64%37.51%38.07%38.17%37.87%35.18%37.05%-102 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps