Side-by-side · Q2 2026 data
Southern Energy Credit Union vs Workmen'S Circle Incorporated Credit Union
Credit union
Workmen'S Circle Incorporated Credit Union
Savannah, Georgia · $100 million – $1 billion
Metric by metric
| Measure | Southern Energy Credit Union | Workmen'S Circle Incorporated Credit Union |
|---|---|---|
| TellerScore | 84 | 90 (stronger) |
| Capital cushion | 96 | 100 (stronger) |
| Loan quality | 92 | 100 (stronger) |
| Earnings | 39 | 100 (stronger) |
| Funding & liquidity | 94 (stronger) | 32 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 93rd | 95th |
| Total assets | $3.6B | $135.0M |
| Deposits / shares | $3.2B | $106.6M |
| Capital ratio | 14.59% | 20.83% (stronger) |
| Problem loans | 0.23% | 0.00% (stronger) |
| Net charge-offs | 0.13% | 0.00% (stronger) |
| Return on assets | 0.46% | 2.25% (stronger) |
| Loans ÷ deposits | 29.8% (stronger) | 101.8% |
| Uninsured deposits | 20.9% (stronger) | 38.3% |
| Offices | 24 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.2% |
Workmen'S Circle Incorporated Credit Union has the higher TellerScore (90 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Southern Energy Credit Union leads on 2 and Workmen'S Circle Incorporated 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.