Credit Union Safety Analysis
Is U S Pipe Bessemer Employees Federal Credit Union Safe? Bessemer, Alabama
Based on its Q2 2026 NCUA 5300 call report, U S Pipe Bessemer Employees Federal Credit Union has a net worth ratio of 22.96%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 8.36%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, U S Pipe Bessemer Employees Federal Credit Union's net worth ratio is 22.96%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 22.96%
- Delinquency ratio (60+ days) (Q2 2026): 8.36%
- Return on assets (Q2 2026): 1.43%
- Loan-to-share ratio (Q2 2026): 40.71%
U S Pipe Bessemer Employees Federal Credit Union (NCUA charter 1601, established 1936) reported $3.1M in assets and 495 members for Q2 2026 from Bessemer, Alabama. It ranks 82 of 87 credit unions in Alabama by total assets. Total assets grew 1.9% from $3.0M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 23.28% for Q1 2026; 22.50% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 1.98% for Q1 2026; 2.84% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.38% for Q1 2026; 1.01% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 42.96% for Q1 2026; 43.32% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $472K
- Other secured non-real estate loans and lines of credit: $187K
- Other unsecured loans and lines of credit: $178K
- New vehicle loans: $119K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $3.1M | 22.96% | 8.36% | 1.43% | 40.71% |
| March 31, 2026 | $3.0M | 23.28% | 1.98% | 0.38% | 42.96% |
| December 31, 2025 | $2.9M | 23.73% | 2.83% | 0.55% | 46.38% |
| September 30, 2025 | $2.9M | 23.60% | 0.19% | 1.27% | 50.76% |
| June 30, 2025 | $3.0M | 22.50% | 2.84% | 1.01% | 43.32% |
| March 31, 2025 | $3.0M | 22.58% | 0.31% | -3.12% | 42.56% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
U S Pipe Bessemer Employees Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 1601) · FFIEC NIC profile (RSSD 343976)
Frequently asked questions
Is U S Pipe Bessemer Employees Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, U S Pipe Bessemer Employees Federal Credit Union's net worth ratio is 22.96%, above the 7% NCUA threshold for well capitalized.
Is U S Pipe Bessemer Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. U S Pipe Bessemer Employees Federal Credit Union is a federally insured credit union (NCUA charter 1601): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are U S Pipe Bessemer Employees Federal Credit Union's key safety ratios?
For Q2 2026, U S Pipe Bessemer Employees Federal Credit Union reports net worth 22.96%, delinquency 8.36%, ROA 1.43%, loan-to-share 40.71%.
What happens to my money if U S Pipe Bessemer Employees Federal Credit Union fails?
For Q2 2026, U S Pipe Bessemer Employees Federal Credit Union held $2.3M in shares and deposits for 495 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.