Side-by-side · Q2 2026 data
Navigator Federal Credit Union vs Southern Energy Credit Union
Credit union
Navigator Federal Credit Union
Pascagoula, Mississippi · $100 million – $1 billion
Metric by metric
| Measure | Navigator Federal Credit Union | Southern Energy Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 84 |
| Capital cushion | 100 (stronger) | 96 |
| Loan quality | 87 | 92 (stronger) |
| Earnings | 86 (stronger) | 39 |
| Funding & liquidity | 75 | 94 (stronger) |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 95th | 93rd |
| Total assets | $406.7M | $3.6B |
| Deposits / shares | $327.7M | $3.2B |
| Capital ratio | 17.98% (stronger) | 14.59% |
| Problem loans | 0.38% | 0.23% (stronger) |
| Net charge-offs | 1.27% | 0.13% (stronger) |
| Return on assets | 1.65% (stronger) | 0.46% |
| Loans ÷ deposits | 85.0% | 29.8% (stronger) |
| Uninsured deposits | 2.2% (stronger) | 20.9% |
| Offices | 6 | 24 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Navigator Federal Credit Union has the higher TellerScore (90 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Navigator Federal Credit Union leads on 4 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.