Side-by-side · Q2 2026 data
City Credit Union vs Southern Energy Credit Union
Metric by metric
| Measure | City Credit Union | Southern Energy Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 84 |
| Capital cushion | 100 (stronger) | 96 |
| Loan quality | 74 | 92 (stronger) |
| Earnings | 70 (stronger) | 39 |
| Funding & liquidity | 91 | 94 (stronger) |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 80th | 93rd |
| Total assets | $21.3M | $3.6B |
| Deposits / shares | $15.9M | $3.2B |
| Capital ratio | 23.98% (stronger) | 14.59% |
| Problem loans | 0.79% | 0.23% (stronger) |
| Net charge-offs | 0.23% | 0.13% (stronger) |
| Return on assets | 1.25% (stronger) | 0.46% |
| Loans ÷ deposits | 68.8% | 29.8% (stronger) |
| Uninsured deposits | 0.5% (stronger) | 20.9% |
| Offices | 2 | 24 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
City Credit Union has the higher TellerScore (86 vs 84). On the 7 directional measures above (where higher or lower is clearly better), City Credit Union 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.