Side-by-side · Q2 2026 data
The Peoples Bank, Biloxi, Mississippi vs Southern Energy Credit Union
Metric by metric
| Measure | The Peoples Bank, Biloxi, Mississippi | Southern Energy Credit Union |
|---|---|---|
| TellerScore | 82 | 84 (stronger) |
| Capital cushion | 100 (stronger) | 96 |
| Loan quality | 94 (stronger) | 92 |
| Earnings | 47 (stronger) | 39 |
| Funding & liquidity | 63 | 94 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 82nd | 93rd |
| Total assets | $770.7M | $3.6B |
| Deposits / shares | $610.1M | $3.2B |
| Capital ratio | 15.22% (stronger) | 14.59% |
| Problem loans | 0.18% (stronger) | 0.23% |
| Net charge-offs | -0.12% (stronger) | 0.13% |
| Return on assets | 0.67% (stronger) | 0.46% |
| Loans ÷ deposits | 44.9% | 29.8% (stronger) |
| Uninsured deposits | 48.3% | 20.9% (stronger) |
| Offices | 17 | 24 |
| CFPB complaints (3 yrs) | 16 | — |
| Complaints per $1B deposits | 26.2 | — |
| Mortgage denial rate (HMDA) | 6.0% | — |
Southern Energy Credit Union has the higher TellerScore (84 vs 82). On the 7 directional measures above (where higher or lower is clearly better), The Peoples Bank, Biloxi, Mississippi leads on 4 and Southern Energy Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.