Side-by-side · Q2 2026 data
Gulf Coast Community Federal Credit Union vs Southern Energy Credit Union
Credit union
Gulf Coast Community Federal Credit Union
Gulfport, Mississippi · $100 million – $1 billion
Metric by metric
| Measure | Gulf Coast Community Federal Credit Union | Southern Energy Credit Union |
|---|---|---|
| TellerScore | 73 | 84 (stronger) |
| Capital cushion | 100 (stronger) | 96 |
| Loan quality | 59 | 92 (stronger) |
| Earnings | 39 | 39 |
| Funding & liquidity | 78 | 94 (stronger) |
| Problem-loan coverage | 88 | 99 (stronger) |
| Peer percentile | 60th | 93rd |
| Total assets | $125.5M | $3.6B |
| Deposits / shares | $101.4M | $3.2B |
| Capital ratio | 17.70% (stronger) | 14.59% |
| Problem loans | 1.22% | 0.23% (stronger) |
| Net charge-offs | 1.17% | 0.13% (stronger) |
| Return on assets | 0.47% (stronger) | 0.46% |
| Loans ÷ deposits | 82.0% | 29.8% (stronger) |
| Uninsured deposits | 5.1% (stronger) | 20.9% |
| Offices | 3 | 24 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 40.9% | — |
Southern Energy Credit Union has the higher TellerScore (84 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Gulf Coast Community Federal Credit Union 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.