Side-by-side · Q2 2026 data
Great Oaks Bank vs Southern Energy Credit Union
Metric by metric
| Measure | Great Oaks Bank | Southern Energy Credit Union |
|---|---|---|
| TellerScore | 76 | 84 (stronger) |
| Capital cushion | 53 | 96 (stronger) |
| Loan quality | 97 (stronger) | 92 |
| Earnings | 77 (stronger) | 39 |
| Funding & liquidity | 73 | 94 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 64th | 93rd |
| Total assets | $422.0M | $3.6B |
| Deposits / shares | $374.4M | $3.2B |
| Capital ratio | 10.25% | 14.59% (stronger) |
| Problem loans | 0.10% (stronger) | 0.23% |
| Net charge-offs | -0.01% (stronger) | 0.13% |
| Return on assets | 1.42% (stronger) | 0.46% |
| Loans ÷ deposits | 73.2% | 29.8% (stronger) |
| Uninsured deposits | 27.4% | 20.9% (stronger) |
| Offices | 6 | 24 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.7% | — |
Southern Energy Credit Union has the higher TellerScore (84 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Great Oaks 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.