Side-by-side · Q2 2026 data
Friend Bank vs Southern Energy Credit Union
Metric by metric
| Measure | Friend Bank | Southern Energy Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 84 |
| Capital cushion | 85 | 96 (stronger) |
| Loan quality | 84 | 92 (stronger) |
| Earnings | 87 (stronger) | 39 |
| Funding & liquidity | 75 | 94 (stronger) |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 88th | 93rd |
| Total assets | $221.0M | $3.6B |
| Deposits / shares | $190.9M | $3.2B |
| Capital ratio | 13.52% | 14.59% (stronger) |
| Problem loans | 0.48% | 0.23% (stronger) |
| Net charge-offs | -0.12% (stronger) | 0.13% |
| Return on assets | 1.67% (stronger) | 0.46% |
| Loans ÷ deposits | 73.3% | 29.8% (stronger) |
| Uninsured deposits | 25.4% | 20.9% (stronger) |
| Offices | 5 | 24 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.8% | — |
Friend Bank has the higher TellerScore (85 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Friend Bank 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.