BlastPoint's Credit Union Scorecard
U S PIPE BESSEMER EMPLOYEES
Charter #1601 · AL
U S PIPE BESSEMER EMPLOYEES has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.92% above tier average
- + Net Charge-Off Rate: Top 2.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.58% below tier average
- - Delinquency rate 6.82% above tier average
- - Total Delinquency Rate (60+ days): Bottom 3.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 52 that size in Alabama.
- Shares and deposits +1.3% year over year ($2.3M in shares and deposits).
- Membership: 495 members, -2.0% vs a year ago.
- Delinquency rate 8.36%.
- Return on assets 0.91%.
- Efficiency ratio 82.19% vs a 88.77% peer average.
- Loan-to-share ratio 40.71% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
495
-2.0% YoY+0.6% QoQ
|
-2.1K |
2,585
-1.7% YoY
|
28,281
-1.7% YoY
|
34,678
+6.6% YoY
|
Bottom 13.5% in tier |
| Assets |
$3.1M
+1.9% YoY+3.0% QoQ
|
$-27.2M |
$30.3M
+1.5% YoY
|
$459.0M
+7.0% YoY
|
$593.1M
+10.2% YoY
|
Bottom 12.7% in tier |
| Loans |
$956,578
-4.8% YoY-2.1% QoQ
|
$-14.5M |
$15.5M
-1.7% YoY
|
$266.3M
+5.7% YoY
|
$418.6M
+10.1% YoY
|
Bottom 11.2% in tier |
| Deposits |
$2.3M
+1.3% YoY+3.3% QoQ
|
$-23.5M |
$25.8M
+1.1% YoY
|
$400.1M
+6.1% YoY
|
$504.8M
+10.3% YoY
|
Bottom 12.7% in tier |
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| ROA |
0.9%
-187.7% YoY+142.2% QoQ
|
-0.6% |
1.5%
+241.5% YoY
|
1.1%
+39.6% YoY
|
1.2%
+121.4% YoY
|
56% |
| NIM |
4.8%
-2.3% YoY+1.8% QoQ
|
+0.9% |
3.9%
+0.9% YoY
|
3.7%
+1.1% YoY
|
3.8%
+2.3% YoY
|
Top 14.9% in tier |
| Efficiency Ratio |
82.2%
+6.0% YoY-11.1% QoQ
|
-6.6% |
88.8%
-6.9% YoY
|
82.1%
+5.7% YoY
|
83.0%
-5.3% YoY
|
54% |
| Delinquency Rate |
8.4%
+194.6% YoY+323.2% QoQ
|
+6.8 |
1.5%
+2.1% YoY
|
1.4%
-5.8% YoY
|
1.3%
+2.6% YoY
|
Bottom 3.0% in tier |
| Loan To Share |
40.7%
-6.0% YoY-5.2% QoQ
|
-18.2% |
58.9%
-3.1% YoY
|
59.3%
-1.7% YoY
|
66.4%
-1.4% YoY
|
23% |
| AMR |
$6,679
+1.5% YoY+1.1% QoQ
|
$-8K |
$14,963
-6.8% YoY
|
$17,701
+4.0% YoY
|
$20,028
-0.9% YoY
|
Bottom 13.7% in tier |
| CD Concentration |
14.4%
-2.1% YoY-2.9% QoQ
|
-10.2% | 24.6% | 21.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.2% | 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)