Southern Energy
Birmingham, AL · Charter 62728 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 30 branches
Q2 2026
$3.6BAssets
$956.3MLoans
$3.2BShares
$524.9MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 94% of credit unions $1B-$10B in assets (rank 28 of 435).
- Widest gap: net interest margin trails 99% of credit unions $1B-$10B in assets (rank 431 of 435).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.46%
Rank 353 of 435
Net Interest Margin
1.26%
Rank 431 of 435
Efficiency Ratio
67.49%
Rank 151 of 435
Equity / Assets
14.59%
Rank 41 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.46% | 0.55% | 0.81% | 1.14% | Beats 19% | 353 / 435 | |
| Return on Equity | 3.17% | 5.12% | 7.41% | 9.70% | Beats 12% | 384 / 435 | |
| Net Interest Margin | 1.26% | 3.01% | 3.39% | 3.75% | Beats 1% | 431 / 435 | |
| Efficiency Ratio | 67.49% | 65.25% | 71.39% | 77.86% | Beats 66% | 151 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.23% | 0.45% | 0.69% | 1.05% | Beats 94% | 28 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.59% | 9.81% | 10.84% | 12.63% | Beats 91% | 41 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.59% | 9.81% | 10.84% | 12.63% | Beats 91% | 41 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 29.80% | 78.33% | 88.38% | 95.61% | 1st pctl | 432 / 435 | |
| Loans / Assets | 26.58% | 67.69% | 74.58% | 80.80% | 1st pctl | 432 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |