TellerScore

Headquartered in Birmingham, Alabama, Southern Energy Credit Union is a federally insured state-chartered credit union with $3.6B in total assets and $3.2B in member shares and deposits as of Q2 2026. It operates 24 offices across 3 states. Its charter dates back to 1953.

Southern Energy Credit Union has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 93% of its 454 credit unions with $1 billion – $10 billion. Among 88 credit unions headquartered in Alabama, it ranks 25th. Problem-loan coverage contributes the most (99/100, 0.5%); earnings contributes the least (39/100, 0.46%).

TellerScore · Q2 2026

Scorecard

Capital cushion96/100
Net worth ratio: 14.59%
Loan quality92/100
Loans 60+ days delinquent ÷ total loans: 0.23%
Earnings39/100
Return on assets (annualized): 0.46%
Funding & liquidity94/100
Loans ÷ shares: 29.8% · 20.9% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.45%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (82 → 84), mostly because the earnings component improved by 5 points.

TellerScore
808284Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202481
Q4 202481
Q1 202580
Q2 202582
Q3 202582
Q4 202583
Q1 202683
Q2 202684
Net worth ratio
7.00%10.79%14.59%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.04%
Q3 202414.00%
Q4 202414.25%
Q1 202513.96%
Q2 202514.21%
Q3 202514.37%
Q4 202514.51%
Q1 202614.31%
Q2 202614.59%
Delinquent loans (60+ days)
0.21%0.25%0.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.22%
Q3 20240.23%
Q4 20240.23%
Q1 20250.25%
Q2 20250.25%
Q3 20250.24%
Q4 20250.28%
Q1 20260.21%
Q2 20260.23%
Return on assets
0.25%0.36%0.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.35%
Q3 20240.30%
Q4 20240.25%
Q1 20250.28%
Q2 20250.36%
Q3 20250.40%
Q4 20250.43%
Q1 20260.46%
Q2 20260.46%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$3.6B14.59%0.23%0.46%29.8%
Q1 202683$3.6B14.31%0.21%0.46%28.8%
Q4 202583$3.6B14.51%0.28%0.43%29.7%
Q3 202582$3.6B14.37%0.24%0.40%29.4%
Q2 202582$3.6B14.21%0.25%0.36%28.9%
Q1 202580$3.6B13.96%0.25%0.28%28.2%
Q4 202481$3.5B14.25%0.23%0.25%28.4%
Q3 202481$3.5B14.00%0.23%0.30%28.2%
Q2 202481$3.5B14.04%0.22%0.35%28.1%

454 peers · $1 billion – $10 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio14.59%
91st
Problem loans0.23%
94th
Net charge-offs0.13%
91st
Return on assets0.46%
20th
Loans to deposits29.8%
99th
Uninsured deposits20.9%
4th
Loan-loss reserves0.00%
50th
Texas ratio0.5%
98th

Similar-size credit unions in Alabama

InstitutionScoreAssetsCapitalProblem loansCompare
All in Federal Credit UnionCredit union Daleville, AL57 out of 100, Moderate$3.7B10.1%1.76%vs
America'S First Federal Credit UnionCredit union Birmingham, AL74 out of 100, Strong$2.8B12.3%0.77%vs
Max Credit UnionCredit union Montgomery, AL89 out of 100, Very strong$2.4B14.5%0.68%vs
Alabama Credit UnionCredit union Tuscaloosa, AL60 out of 100, Moderate$2.1B9.9%0.80%vs
Alabama One Credit UnionCredit union Tuscaloosa, AL59 out of 100, Moderate$1.5B9.1%0.85%vs
Listerhill Credit UnionCredit union Sheffield, AL69 out of 100, Moderate$1.5B11.1%0.62%vs

Deposit insurance

Is my money safe at Southern Energy Credit Union?

Yes. Southern Energy Credit Union is a federally insured credit union (NCUA charter #62728). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 20.9% of shares and deposits ($670.3M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 14.59%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

24 locations

Branches

Southern Energy Credit Union lists 24 offices in 17 cities across 3 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Southern Energy Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62728
RSSD ID
748692
Primary regulator
State + NCUA
Established
1953
Headquarters
750 17th St N, Birmingham, AL 35203
Employees
184

Quick answers

Southern Energy Credit Union: common questions

Is Southern Energy Credit Union NCUA insured?

Yes. Southern Energy Credit Union is a federally insured credit union (NCUA charter #62728). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Southern Energy Credit Union's TellerScore?

84 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Southern Energy Credit Union have?

24 offices as of the latest NCUA data, in 3 states.

Nearby

Highest-scoring banks and credit unions with branches near Birmingham

InstitutionScoreAssetsCapitalProblem loansCompare
Omaha Public Power Dist Emp Federal Credit UnionCredit union Omaha, NE98 out of 100, Very strong$34.8M25.2%0.00%vs
Alabama Postal Credit UnionCredit union Birmingham, AL96 out of 100, Very strong$6.4M44.5%0.28%vs
Acipco Federal Credit UnionCredit union Birmingham, AL94 out of 100, Very strong$221.5M14.4%0.21%vs
Rocket City Federal Credit UnionCredit union Huntsville, AL94 out of 100, Very strong$69.1M17.3%0.17%vs
Coosa Pines Federal Credit UnionCredit union Childersburg, AL88 out of 100, Very strong$420.8M16.2%0.87%vs
Railroad Credit UnionCredit union Irondale, AL87 out of 100, Very strong$100.6M14.4%0.07%vs