U S PIPE BESSEMER EMPLOYEES
Charter #1601 | AL
<100M
(2596 CUs)
Micro
($0-$500M)
54 <100M in AL
U S PIPE BESSEMER EMPLOYEES has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.15% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.97% below tier average
- - Net Charge-Off Rate: Bottom 1.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
503
-1.4% YoY-0.4% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
Bottom 13.9% in tier |
| Assets |
$2.9M
-0.7% YoY-3.3% QoQ
|
$-26.9M |
$29.9M
+1.1% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 12.8% in tier |
| Loans |
$1.1M
+11.5% YoY+11.7% QoQ
|
$-14.6M |
$15.8M
-2.4% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
Bottom 12.2% in tier |
| Deposits |
$2.2M
-0.2% YoY-4.6% QoQ
|
$-23.2M |
$25.5M
+0.4% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 12.6% in tier |
| ROA |
-0.3%
-147.2% YoY-72.8% QoQ
|
-1.0% |
0.7%
-731.4% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
Bottom 11.0% in tier |
| NIM |
5.1%
+14.8% YoY+3.0% QoQ
|
+1.1% |
3.9%
+3.8% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
Top 12.9% in tier |
| Efficiency Ratio |
77.6%
-11.1% YoY+0.1% QoQ
|
-3.8% |
81.4%
-2.4% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
48th in tier |
| Delinquency Rate |
0.2%
-96.2% YoY-93.4% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
26th in tier |
| Loan To Share |
50.8%
+11.8% YoY+17.2% QoQ
|
-10.5% |
61.2%
-3.0% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
33rd in tier |
| AMR |
$6,629
+4.9% YoY+0.7% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 13.7% in tier |
| CD Concentration |
15.1%
-0.1% YoY+3.0% QoQ
|
-9.3% |
24.4%
+4.2% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.4%
-6.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
225
Loan Growth Rate
growth
Value:
11.50%
Peer Avg: 59.01%
#225 of 2596
Top 8.6% in <100M tier
335
Net Interest Margin (NIM)
profitability
Value:
5.08%
Peer Avg: 3.93%
#335 of 2596
Top 12.9% in <100M tier
339
Net Worth Ratio
risk
Value:
23.60%
Peer Avg: 16.43%
#339 of 2596
Top 13.0% in <100M tier
Top Weaknesses (9 metrics)
2555
Net Charge-Off Rate
risk
Value:
4.92%
Peer Avg: 0.57%
#2555 of 2596
Bottom 1.6% in <100M tier
2311
Return on Assets (ROA)
profitability
Value:
-0.28%
Peer Avg: 0.68%
#2311 of 2596
Bottom 11.0% in <100M tier
2278
Total Loans
balance_sheet
Value:
$1.12M
Peer Avg: $15.77M
#2278 of 2596
Bottom 12.3% in <100M tier
2270
Total Deposits
balance_sheet
Value:
$2.21M
Peer Avg: $25.45M
#2270 of 2596
Bottom 12.6% in <100M tier
2264
Total Assets
balance_sheet
Value:
$2.91M
Peer Avg: $29.86M
#2264 of 2596
Bottom 12.8% in <100M tier
2240
Average Member Relationship (AMR)
engagement
Value:
$6,629
Peer Avg: $14,627
#2240 of 2596
Bottom 13.8% in <100M tier
2235
Total Members
engagement
Value:
503
Peer Avg: 2,626
#2235 of 2596
Bottom 13.9% in <100M tier
2197
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,232
Peer Avg: $5,488
#2197 of 2596
Bottom 15.4% in <100M tier
1953
Fee Income Per Member
profitability
Value:
$16.95
Peer Avg: $182.96
#1953 of 2596
Bottom 24.8% in <100M tier