Side-by-side · Q2 2026 data
Southern Energy Credit Union vs Red Oak Credit Union
Metric by metric
| Measure | Southern Energy Credit Union | Red Oak Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 46 |
| Capital cushion | 96 (stronger) | 8 |
| Loan quality | 92 (stronger) | 77 |
| Earnings | 39 (stronger) | 0 |
| Funding & liquidity | 94 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 90 |
| Peer percentile | 93rd | 6th |
| Total assets | $3.6B | $40.1M |
| Deposits / shares | $3.2B | $31.7M |
| Capital ratio | 14.59% (stronger) | 5.84% |
| Problem loans | 0.23% (stronger) | 0.68% |
| Net charge-offs | 0.13% (stronger) | 1.18% |
| Return on assets | 0.46% (stronger) | -0.64% |
| Loans ÷ deposits | 29.8% (stronger) | 56.3% |
| Uninsured deposits | 20.9% | 4.8% (stronger) |
| Offices | 24 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southern Energy Credit Union has the higher TellerScore (84 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Southern Energy Credit Union leads on 6 and Red Oak Credit Union on 1. 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.