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
- + ROA 0.23% above tier average
- + Net Interest Margin 0.72% above tier average
- + Net Charge-Off Rate: Top 2.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 1.81% above tier (higher cost structure)
- - Delinquency rate 0.47% above tier average
- - Member decline: -2.2% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
492
-2.2% YoY-1.8% QoQ
|
-2.2K |
2,676
+1.6% YoY
|
28,055
-6.4% YoY
|
33,913
+5.7% YoY
|
Bottom 13.5% in tier |
| Assets |
$3.0M
+0.4% YoY+2.3% QoQ
|
$-27.2M |
$30.2M
+1.3% YoY
|
$451.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
Bottom 12.5% in tier |
| Loans |
$976,826
+0.5% YoY-4.4% QoQ
|
$-14.3M |
$15.3M
-2.0% YoY
|
$260.3M
+6.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 11.3% in tier |
| Deposits |
$2.3M
-0.4% YoY+3.2% QoQ
|
$-23.5M |
$25.8M
+0.7% YoY
|
$395.2M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 12.4% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.4%
-111.9% YoY-574.6% QoQ
|
+0.2% |
0.1%
-77.6% YoY
|
0.6%
-14.6% YoY
|
0.4%
-39.2% YoY
|
39% |
| NIM |
4.7%
-13.4% YoY-9.3% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.7%
+0.6% YoY
|
3.8%
+4.1% YoY
|
83% |
| Efficiency Ratio |
92.4%
+20.8% YoY+14.1% QoQ
|
+1.8% |
90.6%
+6.5% YoY
|
80.4%
-0.1% YoY
|
84.6%
+2.8% YoY
|
73% |
| Delinquency Rate |
2.0%
+536.1% YoY-30.3% QoQ
|
+0.5 |
1.5%
+3.8% YoY
|
1.6%
+17.5% YoY
|
1.2%
+3.4% YoY
|
81% |
| Loan To Share |
43.0%
+0.9% YoY-7.4% QoQ
|
-15.5% |
58.5%
-3.0% YoY
|
59.2%
-1.1% YoY
|
65.6%
-1.4% YoY
|
26% |
| AMR |
$6,607
+2.1% YoY+2.6% QoQ
|
$-8K |
$14,884
-1.7% YoY
|
$17,504
+3.5% YoY
|
$19,920
+1.6% YoY
|
Bottom 13.7% in tier |
| CD Concentration |
14.8%
-23.1% YoY-2.4% QoQ
|
-9.5% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 7.7% | 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)