Side-by-side · Q2 2026 data
HNB First Bank vs Southern Energy Credit Union
Metric by metric
| Measure | HNB First Bank | Southern Energy Credit Union |
|---|---|---|
| TellerScore | 64 | 84 (stronger) |
| Capital cushion | 45 | 96 (stronger) |
| Loan quality | 79 | 92 (stronger) |
| Earnings | 66 (stronger) | 39 |
| Funding & liquidity | 57 | 94 (stronger) |
| Problem-loan coverage | 89 | 99 (stronger) |
| Peer percentile | 26th | 93rd |
| Total assets | $282.4M | $3.6B |
| Deposits / shares | $253.7M | $3.2B |
| Capital ratio | 9.53% | 14.59% (stronger) |
| Problem loans | 0.63% | 0.23% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.13% |
| Return on assets | 1.15% (stronger) | 0.46% |
| Loans ÷ deposits | 87.0% | 29.8% (stronger) |
| Uninsured deposits | 29.9% | 20.9% (stronger) |
| Offices | 4 | 24 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.6% | — |
Southern Energy Credit Union has the higher TellerScore (84 vs 64). On the 7 directional measures above (where higher or lower is clearly better), HNB First Bank 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.