Federal credit union · Bessemer, Alabama · NCUA charter #1601
U S Pipe Bessemer Employees
Health score 63/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 63
- Health / 100
- $2.9M
- Total assets
- 501
- Members
- 23.3%
- Net-worth ratio
U S Pipe Bessemer Employees scores 63/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.9M; members 501; net-worth ratio 23.28%; health rank #3,935 of 4,374; healthier than 9th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,935 of 4,374 health · 2025Q4U S Pipe Bessemer Employees · health 63/100 · $2.9M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
U S Pipe Bessemer Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); U S Pipe Bessemer Employees sits in 60-64 with 179 others.
63 9th percentile higher than 9% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for U S Pipe Bessemer Employees
- Largest favorable gap: Net Worth Ratio at 23.28% vs peer 19.06% (+4.22 pp).
- Loan-to-Share Ratio trails the peer set - 46.38% here, 63.60% peer average (-17.22 pp).
Where U S Pipe Bessemer Employees sits in Alabama
- In Alabama, health place is #81 of 89 on the same NCUA-ratio sort used nationally.
- Alabama assets place: #84 of 89.
- Alabama membership ordinal: #84 of 89.
- One place up in Alabama, Social Security (#80) scores 64/100, 1 point higher; one place down, Sixth Avenue Baptist (#82) scores 62/100, 1 point lower.
U S Pipe Bessemer Employees: 2025Q4 → 2026Q1
U S Pipe Bessemer Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.3% from $2.9M (2025Q4) to $3.0M (2026Q1).
- Net-worth ratio shifted -0.45 pp (23.73% → 23.28%).
23.28% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 63/100 score is built
U S Pipe Bessemer Employees gives up 37 points in total. Delinquency Rate costs the most, 17.7 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 7.3 pts
- Return on Assets 9.1 pts
- Member Growth 6.2 pts
- Loan-to-Share Ratio 10.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 23.28% | +4.22 pp |
| Delinquency Rate | 2.83% | +1.02 pp |
| Return on Assets | 0.11% | -0.35 pp |
| Member Growth | -1.57% | - |
| Loan-to-Share Ratio | 46.38% | -17.22 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.0M | - |
| 2025Q4 | $2.9M | 501 |
| 2024Q4 | $2.9M | 509 |
| 2023Q4 | $3.0M | 507 |
Credit Union Details
- Charter Number
- 1601
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Alabama
- City
- Bessemer
- Data Quarter
- 2025Q4
Branch Location
U S Pipe Bessemer Employees operates a single office in Bessemer, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| USP (Main Office) | Bessemer, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
More federally-insured credit unions based in Alabama, ordered by peer group match and asset size.
Cross-state Call Report peers for U S Pipe Bessemer Employees
Using this data
- U S Pipe Bessemer Employees ranks #3,935 of 4,374 nationally on financial health and #81 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- COUNCILL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with COUNCILL
Frequently Asked Questions
Is U S Pipe Bessemer Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, U S Pipe Bessemer Employees scores 63/100 (Good), with a 23.28% net worth ratio and 2.83% of loans delinquent. It ranks #3,935 of 4,374 nationally on health and #81 of 89 in Alabama.
How does U S Pipe Bessemer Employees compare to other credit unions?
U S Pipe Bessemer Employees scores 63/100, higher than 9% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (23.28% vs 19.06%). Its widest shortfall is loan-to-share ratio (46.38% vs 63.60%).
How can I join U S Pipe Bessemer Employees?
U S Pipe Bessemer Employees operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact U S Pipe Bessemer Employees directly for the exact boundaries and application steps.
Is my money safe at U S Pipe Bessemer Employees?
U S Pipe Bessemer Employees is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. U S Pipe Bessemer Employees's net worth ratio of 23.28% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.