Side-by-side · Q2 2026 data
Carver State Bank vs Southern Energy Credit Union
Metric by metric
| Measure | Carver State Bank | Southern Energy Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 84 |
| Capital cushion | 100 (stronger) | 96 |
| Loan quality | 88 | 92 (stronger) |
| Earnings | 60 (stronger) | 39 |
| Funding & liquidity | 100 (stronger) | 94 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 94th | 93rd |
| Total assets | $111.2M | $3.6B |
| Deposits / shares | $93.1M | $3.2B |
| Capital ratio | 14.99% (stronger) | 14.59% |
| Problem loans | 0.37% | 0.23% (stronger) |
| Net charge-offs | 1.21% | 0.13% (stronger) |
| Return on assets | 1.00% (stronger) | 0.46% |
| Loans ÷ deposits | 50.0% | 29.8% (stronger) |
| Uninsured deposits | 15.6% (stronger) | 20.9% |
| Offices | 2 | 24 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Carver State Bank has the higher TellerScore (89 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Carver State Bank leads on 4 and Southern Energy Credit Union on 3. 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.