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U S Pipe Bessemer Employees

Bessemer, AL · Charter 1601

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Birmingham, AL area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in the Birmingham, AL area (n=29). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

83

Q2 2024Q2 2026peer median (50)

Asset Quality

14

Q2 2024Q2 2026peer median (50)

Profitability

64

Q2 2024Q2 2026peer median (50)

Liquidity

44

Q2 2024Q2 2026peer median

Efficiency

41

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

U S Pipe Bessemer Employees

Bessemer, AL · Charter 1601

NCUA · 1 branch

Q2 2026

$3.1MAssets
$957KLoans
$2.4MShares
$704KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.90%, up 193 bps year over year; NIM at 4.75%.
  • Asset quality: problem loans at 8.36% of loans (+553 bps YoY).
  • Capital: net worth / assets of 22.96%, up 45 bps from a year ago.
  • Funding: loans stand at 40.71% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.90%+193 bps YoY

Net Interest Margin (YTD, annualized)

4.75%-15 bps YoY

Efficiency Ratio (YTD, annualized)

82.19%+467 bps YoY

Net Worth / Assets

22.96%+45 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.03%-0.29%-0.08%0.38%0.90%+193 bps
Return on Equity-4.60%-1.22%-0.34%1.62%3.92%+852 bps
Net Interest Margin4.89%5.17%5.22%4.73%4.75%-15 bps
Efficiency Ratio77.51%77.55%80.99%92.44%82.19%+467 bps
Growth
Asset Growth (YoY)1.79%-0.69%0.66%0.42%1.94%+15 bps
Loan Growth (YoY)-0.07%11.50%6.26%0.49%-4.81%-474 bps
Share Growth (YoY)2.79%-0.24%0.64%-0.43%1.30%-149 bps
Asset Quality
Delinquent Loans / Loans2.84%0.19%2.83%1.98%8.36%+553 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.36%2.18%2.32%2.61%2.73%-64 bps
Capital
Risk-Based Capital22.50%23.60%23.73%23.28%22.96%+45 bps
Net Worth / Assets22.50%23.60%23.73%23.28%22.96%+45 bps
Liquidity & Funding
Loans / Shares43.32%50.76%46.38%42.96%40.71%-261 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

U S Pipe Bessemer Employees

Bessemer, AL · Charter 1601 · Peer group: credit unions under $1B in assets in the Birmingham, AL area (n=29)

NCUA · 1 branch

Q2 2026

$3.1MAssets
$957KLoans
$2.4MShares
$704KNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 83% of credit unions under $1B in assets in the Birmingham, AL area (rank 5 of 29).
  • Widest gap: nonperforming loans / loans trails 86% of credit unions under $1B in assets in the Birmingham, AL area (rank 26 of 29).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.91%

Rank 9 of 29

Net Interest Margin

4.76%

Rank 6 of 29

Efficiency Ratio

82.05%

Rank 18 of 29

Equity / Assets

22.97%

Rank 5 of 29

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.91%0.26%0.65%1.06%Beats 69%9 / 29
Return on Equity3.98%2.33%4.15%7.02%Beats 45%16 / 29
Net Interest Margin4.76%3.29%3.80%4.67%Beats 79%6 / 29
Efficiency Ratio82.05%67.71%81.00%89.29%Beats 41%18 / 29
Asset Quality
Nonperforming Loans / Loans8.36%0.40%1.03%1.72%Beats 14%26 / 29
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio22.97%10.13%13.97%19.12%Beats 83%5 / 29
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets22.97%10.13%13.97%19.12%Beats 83%5 / 29
Liquidity & Funding
Loans / Deposits40.72%40.72%55.53%68.24%24th pctl22 / 29
Loans / Assets31.22%35.46%45.52%58.70%17th pctl24 / 29
Brokered Deposits / Depositsn/aNot reported for this institution