Side-by-side · Q2 2026 data
All in Federal Credit Union vs Southern Energy Credit Union
Metric by metric
| Measure | All in Federal Credit Union | Southern Energy Credit Union |
|---|---|---|
| TellerScore | 57 | 84 (stronger) |
| Capital cushion | 51 | 96 (stronger) |
| Loan quality | 41 | 92 (stronger) |
| Earnings | 66 (stronger) | 39 |
| Funding & liquidity | 72 | 94 (stronger) |
| Problem-loan coverage | 71 | 99 (stronger) |
| Peer percentile | 17th | 93rd |
| Total assets | $3.7B | $3.6B |
| Deposits / shares | $3.3B | $3.2B |
| Capital ratio | 10.09% | 14.59% (stronger) |
| Problem loans | 1.76% | 0.23% (stronger) |
| Net charge-offs | 1.50% | 0.13% (stronger) |
| Return on assets | 1.16% (stronger) | 0.46% |
| Loans ÷ deposits | 88.0% | 29.8% (stronger) |
| Uninsured deposits | 13.1% (stronger) | 20.9% |
| Offices | 36 | 24 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 43.3% | — |
Southern Energy Credit Union has the higher TellerScore (84 vs 57). On the 7 directional measures above (where higher or lower is clearly better), All in Federal Credit Union leads on 2 and Southern Energy Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.