U S Pipe Bessemer Employees Federal Credit Union Bessemer, Alabama
U S Pipe Bessemer Employees Federal Credit Union is a federal credit union headquartered in Bessemer, AL, established in 1936 (NCUA charter 1601), and it is regulated and insured by the NCUA. At Q2 2026 it reported 495 members and total assets of $3.1M (up 1.9% from Q2 2025), the 82nd largest of 87 credit unions headquartered in Alabama. Its net worth ratio was 22.96% at Q2 2026, in the well capitalized band.
Also written as US Pipe Bessemer Employees FCU
BankRegReports is independent of U S Pipe Bessemer Employees Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 1601
- Headquarters
- Bessemer, AL
- Established
- 1936
- Total assets, Q2 2026
- $3.1M
- Assets vs Q2 2025
- +1.9%
- Members, Q2 2026
- 495
- Net worth ratio, Q2 2026
- 22.96%
- Latest call report
- Q2 2026, NCUA 5300 · U S Pipe Bessemer Employees Federal Credit Union call report
- Asset rank in state
- 82nd of 87 in Alabama
- Routing number
- 262287438
- Branches
- 1
It has 10 fewer members than on June 30, 2025 (-2.0%). Its net worth ratio was up 0.46 percentage points from 22.50% on June 30, 2025. Used vehicle loans are its largest loan category, $472K of $957K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 8.36% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 22.96% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Alabama
Frequently asked about U S Pipe Bessemer Employees Federal Credit Union
How big is U S Pipe Bessemer Employees Federal Credit Union?
At Q2 2026 it reported total assets of $3.1M and 495 members.
Where is U S Pipe Bessemer Employees Federal Credit Union headquartered?
It is headquartered in Bessemer, AL, United States.
When was U S Pipe Bessemer Employees Federal Credit Union founded?
It was established in 1936, per NCUA records.
Is U S Pipe Bessemer Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 1601): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates U S Pipe Bessemer Employees Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is U S Pipe Bessemer Employees Federal Credit Union well capitalized?
Its net worth ratio was 22.96% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is U S Pipe Bessemer Employees Federal Credit Union's delinquency ratio?
Its delinquency ratio was 8.36% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is U S Pipe Bessemer Employees Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 40.71% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Bessemer, AL 35020
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1936
- NCUA Charter #
- 1601
- RSSD ID
- 343976
- Members
- 495
- Potential members
- 1,250
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 22.96% | 14.31% | 83rd top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.43% | 0.72% | 79th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 6.25% | 4.74% | 60th above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.90% | 3.93% | 83rd top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 72.75% | 79.83% | 65th above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.53% | 0.78% | 66th above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 8.36% | 0.86% | under 10th bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.43% | 4.70% | 77th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 40.71% | 58.92% | 23rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$3.1M total assets against $3.0M; $2.3M total shares and deposits against $2.3M; $957K total loans against $1.0M.
$704K net worth against $677K.
22.96% net worth ratio against 22.50%.
40.71% loan-to-share ratio against 43.32%.
8.36% delinquency ratio against 2.84%.
1.43% return on assets against 1.01%; 6.25% return on equity against 4.48%.
4.90% net interest margin against 4.47%.
495 members against 505.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 22.96% | 1.43% | 8.36% | 40.71% |
| March 31, 2026 | 23.28% | 0.38% | 1.98% | 42.96% |
| December 31, 2025 | 23.73% | 0.55% | 2.83% | 46.38% |
| September 30, 2025 | 23.60% | 1.27% | 0.19% | 50.76% |
| June 30, 2025 | 22.50% | 1.01% | 2.84% | 43.32% |
| March 31, 2025 | 22.58% | -3.12% | 0.31% | 42.56% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.