Side-by-side · Q2 2026 data
First Community Bank of Central Alabama vs Southern Energy Credit Union
Metric by metric
| Measure | First Community Bank of Central Alabama | Southern Energy Credit Union |
|---|---|---|
| TellerScore | 74 | 84 (stronger) |
| Capital cushion | 36 | 96 (stronger) |
| Loan quality | 97 (stronger) | 92 |
| Earnings | 100 (stronger) | 39 |
| Funding & liquidity | 61 | 94 (stronger) |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 57th | 93rd |
| Total assets | $694.3M | $3.6B |
| Deposits / shares | $638.3M | $3.2B |
| Capital ratio | 8.57% | 14.59% (stronger) |
| Problem loans | 0.10% (stronger) | 0.23% |
| Net charge-offs | 0.02% (stronger) | 0.13% |
| Return on assets | 2.44% (stronger) | 0.46% |
| Loans ÷ deposits | 77.7% | 29.8% (stronger) |
| Uninsured deposits | 34.6% | 20.9% (stronger) |
| Offices | 9 | 24 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southern Energy Credit Union has the higher TellerScore (84 vs 74). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank of Central Alabama leads on 3 and Southern Energy Credit Union on 4. 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.