U S PIPE BESSEMER EMPLOYEES
Charter #1601 · Bessemer, AL · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.79% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.72% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 40th percentile but its structural peers at the 18th — a 22-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | U S PIPE BESSEMER EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.97M | 40th pct | 18th pct |
| Members | 492 | 43th pct | 26th pct |
| Net worth ratio | 23.28% | 70th pct | 56th pct |
| Return on average assets | 0.38% | 49th pct | 44th pct |
| Net interest margin | 4.79% | 73th pct | 77th pct |
| Cost of funds | 0.67% | 56th pct | 43th pct |
| Loan-to-share | 42.96% | 32th pct | 43th pct |
| Delinquency 60+ days | 1.98% | 68th pct | 54th pct |
| Net charge-off ratio | -0.72% | 5th pct | 7th pct |
| Loan growth YoY | -12.99% | 19th pct | 26th pct |
| Share growth YoY | 2.80% | 70th pct | 70th pct |
| Efficiency ratio | 92.44% | 59th pct | 67th pct |
structural peer set hash: 403384a9d922ec7ba8c2c2e4895bfce2… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.