Side-by-side · Q2 2026 data
Riverfall Credit Union vs Southern Energy Credit Union
Metric by metric
| Measure | Riverfall Credit Union | Southern Energy Credit Union |
|---|---|---|
| TellerScore | 60 | 84 (stronger) |
| Capital cushion | 70 | 96 (stronger) |
| Loan quality | 36 | 92 (stronger) |
| Earnings | 34 | 39 (stronger) |
| Funding & liquidity | 100 (stronger) | 94 |
| Problem-loan coverage | 83 | 99 (stronger) |
| Peer percentile | 21st | 93rd |
| Total assets | $193.9M | $3.6B |
| Deposits / shares | $175.1M | $3.2B |
| Capital ratio | 11.95% | 14.59% (stronger) |
| Problem loans | 1.93% | 0.23% (stronger) |
| Net charge-offs | 0.26% | 0.13% (stronger) |
| Return on assets | 0.35% | 0.46% (stronger) |
| Loans ÷ deposits | 50.3% | 29.8% (stronger) |
| Uninsured deposits | 8.4% (stronger) | 20.9% |
| Offices | 4 | 24 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southern Energy Credit Union has the higher TellerScore (84 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Riverfall Credit Union leads on 1 and Southern Energy Credit Union on 6. 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.