Side-by-side · Q2 2026 data
Southern Energy Credit Union vs Alabama State Employees Credit Union
Credit union
Alabama State Employees Credit Union
Montgomery, Alabama · $100 million – $1 billion
Metric by metric
| Measure | Southern Energy Credit Union | Alabama State Employees Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 80 |
| Capital cushion | 96 (stronger) | 70 |
| Loan quality | 92 (stronger) | 90 |
| Earnings | 39 | 57 (stronger) |
| Funding & liquidity | 94 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 93rd | 78th |
| Total assets | $3.6B | $471.2M |
| Deposits / shares | $3.2B | $416.6M |
| Capital ratio | 14.59% (stronger) | 12.01% |
| Problem loans | 0.23% (stronger) | 0.31% |
| Net charge-offs | 0.13% (stronger) | 0.56% |
| Return on assets | 0.46% | 0.93% (stronger) |
| Loans ÷ deposits | 29.8% (stronger) | 57.2% |
| Uninsured deposits | 20.9% | 3.4% (stronger) |
| Offices | 24 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.9% |
Southern Energy Credit Union has the higher TellerScore (84 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Southern Energy Credit Union leads on 5 and Alabama State Employees Credit Union on 2. 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.