BlastPoint's Credit Union Scorecard
U S PIPE BESSEMER EMPLOYEES
Charter #1601 · 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 |
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 |
-0.3%
-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
|
48% |
| 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
|
26% |
| 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
|
33% |
| 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
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.4%
-6.7% YoY
|
7.9%
-2.9% YoY
|
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)