Side-by-side · Q2 2026 data
River Bank & Trust vs Southern Energy Credit Union
Metric by metric
| Measure | River Bank & Trust | Southern Energy Credit Union |
|---|---|---|
| TellerScore | 66 | 84 (stronger) |
| Capital cushion | 42 | 96 (stronger) |
| Loan quality | 84 | 92 (stronger) |
| Earnings | 80 (stronger) | 39 |
| Funding & liquidity | 49 | 94 (stronger) |
| Problem-loan coverage | 92 | 99 (stronger) |
| Peer percentile | 40th | 93rd |
| Total assets | $4.0B | $3.6B |
| Deposits / shares | $3.5B | $3.2B |
| Capital ratio | 9.23% | 14.59% (stronger) |
| Problem loans | 0.48% | 0.23% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.13% |
| Return on assets | 1.49% (stronger) | 0.46% |
| Loans ÷ deposits | 80.5% | 29.8% (stronger) |
| Uninsured deposits | 42.9% | 20.9% (stronger) |
| Offices | 25 | 24 |
| CFPB complaints (3 yrs) | 17 | — |
| Complaints per $1B deposits | 4.8 | — |
| Mortgage denial rate (HMDA) | — | — |
Southern Energy Credit Union has the higher TellerScore (84 vs 66). On the 7 directional measures above (where higher or lower is clearly better), River Bank & Trust leads on 2 and Southern Energy Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.