Side-by-side · Q2 2026 data
Memorial Federal Credit Union vs Southern Energy Credit Union
Metric by metric
| Measure | Memorial Federal Credit Union | Southern Energy Credit Union |
|---|---|---|
| TellerScore | 84 | 84 |
| Capital cushion | 100 (stronger) | 96 |
| Loan quality | 95 (stronger) | 92 |
| Earnings | 24 | 39 (stronger) |
| Funding & liquidity | 100 (stronger) | 94 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 75th | 93rd |
| Total assets | $5.9M | $3.6B |
| Deposits / shares | $3.6M | $3.2B |
| Capital ratio | 38.30% (stronger) | 14.59% |
| Problem loans | 0.16% (stronger) | 0.23% |
| Net charge-offs | 0.91% | 0.13% (stronger) |
| Return on assets | 0.10% | 0.46% (stronger) |
| Loans ÷ deposits | 55.7% | 29.8% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 20.9% |
| Offices | 1 | 24 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Memorial Federal Credit Union leads on 3 and Southern Energy Credit Union on 3. 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.