Side-by-side · Q2 2026 data
Southern Energy Credit Union vs Alabama Postal Credit Union
Credit union
Alabama Postal Credit Union
Birmingham, Alabama · Under $100 million in assets
Metric by metric
| Measure | Southern Energy Credit Union | Alabama Postal Credit Union |
|---|---|---|
| TellerScore | 84 | 96 (stronger) |
| Capital cushion | 96 | 100 (stronger) |
| Loan quality | 92 (stronger) | 91 |
| Earnings | 39 | 94 (stronger) |
| Funding & liquidity | 94 | 96 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 93rd | 97th |
| Total assets | $3.6B | $6.4M |
| Deposits / shares | $3.2B | $3.5M |
| Capital ratio | 14.59% | 44.48% (stronger) |
| Problem loans | 0.23% (stronger) | 0.28% |
| Net charge-offs | 0.13% | -0.30% (stronger) |
| Return on assets | 0.46% | 1.85% (stronger) |
| Loans ÷ deposits | 29.8% (stronger) | 64.0% |
| Uninsured deposits | 20.9% | 0.0% (stronger) |
| Offices | 24 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Alabama Postal Credit Union has the higher TellerScore (96 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Southern Energy Credit Union leads on 2 and Alabama Postal 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.