Side-by-side · Q2 2026 data
Fedmont Federal Credit Union vs Southern Energy Credit Union
Metric by metric
| Measure | Fedmont Federal Credit Union | Southern Energy Credit Union |
|---|---|---|
| TellerScore | 75 | 84 (stronger) |
| Capital cushion | 84 | 96 (stronger) |
| Loan quality | 83 | 92 (stronger) |
| Earnings | 22 | 39 (stronger) |
| Funding & liquidity | 100 (stronger) | 94 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 52nd | 93rd |
| Total assets | $13.0M | $3.6B |
| Deposits / shares | $11.2M | $3.2B |
| Capital ratio | 13.37% | 14.59% (stronger) |
| Problem loans | 0.52% | 0.23% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.13% |
| Return on assets | 0.06% | 0.46% (stronger) |
| Loans ÷ deposits | 36.1% | 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 75). On the 7 directional measures above (where higher or lower is clearly better), Fedmont 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.