Side-by-side · Q2 2026 data
Mercy Federal Credit Union vs Southern Energy Credit Union
Metric by metric
| Measure | Mercy Federal Credit Union | Southern Energy Credit Union |
|---|---|---|
| TellerScore | 55 | 84 (stronger) |
| Capital cushion | 100 (stronger) | 96 |
| Loan quality | 12 | 92 (stronger) |
| Earnings | 3 | 39 (stronger) |
| Funding & liquidity | 86 | 94 (stronger) |
| Problem-loan coverage | 81 | 99 (stronger) |
| Peer percentile | 15th | 93rd |
| Total assets | $12.4M | $3.6B |
| Deposits / shares | $10.2M | $3.2B |
| Capital ratio | 19.33% (stronger) | 14.59% |
| Problem loans | 2.65% | 0.23% (stronger) |
| Net charge-offs | 2.79% | 0.13% (stronger) |
| Return on assets | -0.42% | 0.46% (stronger) |
| Loans ÷ deposits | 74.3% | 29.8% (stronger) |
| Uninsured deposits | 4.3% (stronger) | 20.9% |
| Offices | 2 | 24 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southern Energy Credit Union has the higher TellerScore (84 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Mercy Federal Credit Union 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.