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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.91% | 0.26% | 0.65% | 1.06% | Beats 69% | 9 / 29 | |
| Return on Equity | 3.98% | 2.33% | 4.15% | 7.02% | Beats 45% | 16 / 29 | |
| Net Interest Margin | 4.76% | 3.29% | 3.80% | 4.67% | Beats 79% | 6 / 29 | |
| Efficiency Ratio | 82.05% | 67.71% | 81.00% | 89.29% | Beats 41% | 18 / 29 | |
| Asset Quality |
| Nonperforming Loans / Loans | 8.36% | 0.40% | 1.03% | 1.72% | Beats 14% | 26 / 29 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 22.97% | 10.13% | 13.97% | 19.12% | Beats 83% | 5 / 29 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 22.97% | 10.13% | 13.97% | 19.12% | Beats 83% | 5 / 29 | |
| Liquidity & Funding |
| Loans / Deposits | 40.72% | 40.72% | 55.53% | 68.24% | 24th pctl | 22 / 29 | |
| Loans / Assets | 31.22% | 35.46% | 45.52% | 58.70% | 17th pctl | 24 / 29 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |