Side-by-side · Q2 2026 data
University of South Alabama Federal Credit Union vs Southern Energy Credit Union
Credit union
University of South Alabama Federal Credit Union
Mobile, Alabama · Under $100 million in assets
Metric by metric
| Measure | University of South Alabama Federal Credit Union | Southern Energy Credit Union |
|---|---|---|
| TellerScore | 96 (stronger) | 84 |
| Capital cushion | 100 (stronger) | 96 |
| Loan quality | 84 | 92 (stronger) |
| Earnings | 100 (stronger) | 39 |
| Funding & liquidity | 100 (stronger) | 94 |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 97th | 93rd |
| Total assets | $56.2M | $3.6B |
| Deposits / shares | $46.6M | $3.2B |
| Capital ratio | 16.45% (stronger) | 14.59% |
| Problem loans | 0.49% | 0.23% (stronger) |
| Net charge-offs | 0.16% | 0.13% (stronger) |
| Return on assets | 2.45% (stronger) | 0.46% |
| Loans ÷ deposits | 51.2% | 29.8% (stronger) |
| Uninsured deposits | 10.5% (stronger) | 20.9% |
| Offices | 3 | 24 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
University of South Alabama Federal Credit Union has the higher TellerScore (96 vs 84). On the 7 directional measures above (where higher or lower is clearly better), University of South Alabama Federal Credit Union leads on 4 and Southern Energy Credit Union on 3. 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.