Side-by-side · Q2 2026 data
Biloxi Teachers Federal Credit Union vs Southern Energy Credit Union
Credit union
Biloxi Teachers Federal Credit Union
Biloxi, Mississippi · Under $100 million in assets
Metric by metric
| Measure | Biloxi Teachers Federal Credit Union | Southern Energy Credit Union |
|---|---|---|
| TellerScore | 83 | 84 (stronger) |
| Capital cushion | 69 | 96 (stronger) |
| Loan quality | 92 | 92 |
| Earnings | 71 (stronger) | 39 |
| Funding & liquidity | 100 (stronger) | 94 |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 72nd | 93rd |
| Total assets | $12.1M | $3.6B |
| Deposits / shares | $10.7M | $3.2B |
| Capital ratio | 11.92% | 14.59% (stronger) |
| Problem loans | 0.25% | 0.23% (stronger) |
| Net charge-offs | 0.25% | 0.13% (stronger) |
| Return on assets | 1.29% (stronger) | 0.46% |
| Loans ÷ deposits | 36.4% | 29.8% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 20.9% |
| Offices | 1 | 24 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southern Energy Credit Union has the higher TellerScore (84 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Biloxi Teachers Federal Credit Union leads on 2 and Southern Energy Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.