BlastPoint's Credit Union Scorecard
U S PIPE BESSEMER EMPLOYEES
Charter #1601 · AL
U S PIPE BESSEMER EMPLOYEES has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.27% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.70% below tier average
- - Delinquency rate 1.28% above tier average
- - Net Charge-Off Rate: Bottom 2.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
501
-1.6% YoY-0.4% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
Bottom 13.7% in tier |
| Assets |
$2.9M
+0.7% YoY+0.0% QoQ
|
$-27.2M |
$30.1M
+2.1% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 12.4% in tier |
| Loans |
$1.0M
+6.3% YoY-8.9% QoQ
|
$-14.7M |
$15.8M
-1.3% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 11.2% in tier |
| Deposits |
$2.2M
+0.6% YoY-0.4% QoQ
|
$-23.5M |
$25.7M
+1.4% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 12.2% in tier |
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| ROA |
-0.1%
-174.9% YoY-72.0% QoQ
|
-0.7% |
0.6%
+10.8% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 14.5% in tier |
| NIM |
5.2%
+13.9% YoY+2.8% QoQ
|
+1.3% |
4.0%
+4.0% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
Top 10.3% in tier |
| Efficiency Ratio |
81.0%
-3.4% YoY+4.4% QoQ
|
-1.6% |
82.6%
-2.3% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
53% |
| Delinquency Rate |
2.8%
+47.1% YoY+1402.0% QoQ
|
+1.3 |
1.6%
-3.1% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
Top 14.0% in tier |
| Loan To Share |
46.4%
+5.6% YoY-8.6% QoQ
|
-14.2% |
60.6%
-3.1% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
28% |
| AMR |
$6,439
+4.0% YoY-2.9% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 13.1% in tier |
| CD Concentration |
15.2%
-24.4% YoY+0.4% QoQ
|
-9.3% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)