Side-by-side · Q2 2026 data
SouthEast Bank vs Alcoa Municipal Employees Federal Credit Union
Credit union
Alcoa Municipal Employees Federal Credit Union
Alcoa, Tennessee · Under $100 million in assets
Metric by metric
| Measure | SouthEast Bank | Alcoa Municipal Employees Federal Credit Union |
|---|---|---|
| TellerScore | 36 | 94 (stronger) |
| Capital cushion | 35 | 100 (stronger) |
| Loan quality | 11 | 100 (stronger) |
| Earnings | 50 | 91 (stronger) |
| Funding & liquidity | 55 | 74 (stronger) |
| Problem-loan coverage | 49 | 100 (stronger) |
| Peer percentile | 1st | 95th |
| Total assets | $3.6B | $4.5M |
| Deposits / shares | $3.2B | $3.7M |
| Capital ratio | 8.51% | 18.91% (stronger) |
| Problem loans | 2.66% | 0.00% (stronger) |
| Net charge-offs | 0.10% (stronger) | 0.25% |
| Return on assets | 0.75% | 1.77% (stronger) |
| Loans ÷ deposits | 96.1% | 86.3% (stronger) |
| Uninsured deposits | 23.4% | 0.0% (stronger) |
| Offices | 14 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.7% | — |
Alcoa Municipal Employees Federal Credit Union has the higher TellerScore (94 vs 36). On the 7 directional measures above (where higher or lower is clearly better), SouthEast Bank leads on 1 and Alcoa Municipal Employees Federal 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.