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
- PHOTO 63/100
- BOOK 23.3%
- CHARTER 2.83%
- NCUSIF 0.11%
- CAMELS $2.9M
- HEALTH 501
- NW #3,935/4,374
- DELQ n/a
- ROA 1601
Call Report peers
U S Pipe Bessemer Employees carries $2.9M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
63 9th percentile higher than 9% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
U S Pipe Bessemer Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #1601. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for AL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
U S Pipe Bessemer Employees: 2025Q4 → 2026Q1
U S Pipe Bessemer Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $2.9M (2025Q4) to $3.0M (2026Q1).
- Net-worth ratio shifted -0.45 pp (23.73% → 23.28%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 63.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Two NCUA Call Report peer sets for U S Pipe Bessemer Employees, both outside Alabama so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (63/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Alabama credit unions compare overall before assuming this one is typical. Alabama state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is U S Pipe Bessemer Employees financially healthy?
A 23.28% net worth ratio and a 2.83% delinquency rate feed into U S Pipe Bessemer Employees's financial health score of 63/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,935 of 4,374; by total assets it ranks #4,056 of 4,374 nationally (same basis as /rankings/largest); and #84 of 89 within Alabama. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does U S Pipe Bessemer Employees compare to other credit unions?
PlainCU's health composite puts U S Pipe Bessemer Employees at 63/100, compared to a peer group average for $2M–$10M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like U S Pipe Bessemer Employees are 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."
What rates does U S Pipe Bessemer Employees offer compared to banks?
Credit unions like U S Pipe Bessemer Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact U S Pipe Bessemer Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.