Side-by-side · Q2 2026 data
Southern Energy Credit Union vs Five Star Credit Union
Metric by metric
| Measure | Southern Energy Credit Union | Five Star Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 72 |
| Capital cushion | 96 (stronger) | 88 |
| Loan quality | 92 (stronger) | 50 |
| Earnings | 39 | 63 (stronger) |
| Funding & liquidity | 94 (stronger) | 81 |
| Problem-loan coverage | 99 (stronger) | 84 |
| Peer percentile | 93rd | 66th |
| Total assets | $3.6B | $1.3B |
| Deposits / shares | $3.2B | $1.1B |
| Capital ratio | 14.59% (stronger) | 13.82% |
| Problem loans | 0.23% (stronger) | 1.50% |
| Net charge-offs | 0.13% (stronger) | 0.53% |
| Return on assets | 0.46% | 1.09% (stronger) |
| Loans ÷ deposits | 29.8% (stronger) | 79.2% |
| Uninsured deposits | 20.9% | 11.8% (stronger) |
| Offices | 24 | 26 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 27.7% |
Southern Energy Credit Union has the higher TellerScore (84 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Southern Energy Credit Union leads on 5 and Five Star Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.