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U S Pipe Bessemer Employees Credit Union
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U S Pipe Bessemer Employees Credit Union Share
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Overview Share
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U S Pipe Bessemer Employees Credit Union is a federal credit union based in Bessemer, Alabama. It has been opened since 1936, for 86 years.

With around $2,770,000 in assets, U S Pipe Bessemer Employees Credit Union is considered to be a small credit union.

About Share
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Address 2115 North 19th Street
Bessemer, Alabama 35020
Phone (205) 428-5581
Fax (205) 428-5581
CEO Teresa L. Lambert
President of the Board David Hooper
Services Offered
Score Card Share
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86 years
Years in business
Opened in 1936
Well Capitalized
Net worth classification
Source: NCUA
480 members
Membership type: Multiple common bond – primary and fabricated metals
Below average number of members
320:1
Credit union member to staff ratio
320 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
$2,765,611
Total assets
Below average
1 branch
Compared with an average of 4 nationally and 4 in Alabama
Average number of branches
0.10%
Savings interest rate
Compared to 0.3% nationally
Branches Share
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1 branch
Compared with an average of 4 nationally and 4 in Alabama
Average number of branches
U S Pipe Bessemer Employees Credit Union Branch Locations

U. S. Pipe Bessemer Employees Credit Union: Usp
2115 19th Street North
Bessemer, Alabama 35020
No ATM
Members Share
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480 members
Membership type: Multiple common bond – primary and fabricated metals
Below average number of members

With 480 members, the U S Pipe Bessemer Employees Credit Union is considered to be a very small credit union. It is among the smallest credit unions and is smaller than 91% of credit unions.

Fees Share
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$15
Average fee per member
The average fee per member at the U S Pipe Bessemer Employees Credit Union is $15, which is low compared to most credit unions. This rate is lower than 77% of all credit unions.
Fees are lower than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the U S Pipe Bessemer Employees Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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320:1
Credit union member to staff ratio
320 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
2 staff members
FTE (full-time equivalent)
50% of employees are part-time
1 full-time, 1 part-time

U S Pipe Bessemer Employees Credit Union has 1 full-time staff members and 1 part-time staff members. The staff is comprised of part-time and full-time staff, with part-time staff approximately 50% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. U S Pipe Bessemer Employees Credit Union has around 320 members per staff, a low ratio compared to other credit unions. This is a well staffed credit union.

Assets Share
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$2,765,611
Total assets
Below average
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
29.9%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$4,373
Average loan and lease size
Loan & lease sizes are very small. They are smaller than at 92% of credit unions.

U S Pipe Bessemer Employees Credit Union holds a total of $820,000 in loans and leases, which is about $4,373 per member on average.

Savings interest rate Share
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0.10%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. U S Pipe Bessemer Employees Credit Union pays 0.10%.

Loan rates Share
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10.00%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
8.00%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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5.00%
New car loan rate
Compared to 4.0% nationally
5.00%
Used car loan rate
Compared to 5.2% nationally

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