Side-by-side · Q2 2026 data
Water'S Edge Federal Credit Union vs Southern Energy Credit Union
Credit union
Water'S Edge Federal Credit Union
Biloxi, Mississippi · Under $100 million in assets
Metric by metric
| Measure | Water'S Edge Federal Credit Union | Southern Energy Credit Union |
|---|---|---|
| TellerScore | 49 | 84 (stronger) |
| Capital cushion | 22 | 96 (stronger) |
| Loan quality | 63 | 92 (stronger) |
| Earnings | 18 | 39 (stronger) |
| Funding & liquidity | 100 (stronger) | 94 |
| Problem-loan coverage | 85 | 99 (stronger) |
| Peer percentile | 8th | 93rd |
| Total assets | $5.0M | $3.6B |
| Deposits / shares | $4.4M | $3.2B |
| Capital ratio | 7.16% | 14.59% (stronger) |
| Problem loans | 1.12% | 0.23% (stronger) |
| Net charge-offs | -1.22% (stronger) | 0.13% |
| Return on assets | -0.05% | 0.46% (stronger) |
| Loans ÷ deposits | 58.2% | 29.8% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 20.9% |
| Offices | 1 | 24 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southern Energy Credit Union has the higher TellerScore (84 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Water'S Edge Federal Credit Union leads on 2 and Southern Energy 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.