PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Southern Energy

Birmingham, AL · Charter 62728

NCUA · 30 branches

Q2 2026

$3.6BAssets
$956.3MLoans
$3.2BShares
$524.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.46%, up 10 bps year over year; NIM at 1.26%.
  • Asset quality: problem loans at 0.23% of loans (-2 bps YoY).
  • Capital: net worth / assets of 14.59%, up 38 bps from a year ago.
  • Funding: loans stand at 29.80% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.46%+10 bps YoY

Net Interest Margin (quarter, annualized)

1.26%+21 bps YoY

Efficiency Ratio (quarter, annualized)

67.49%-326 bps YoY

Net Worth / Assets

14.59%+38 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.36%0.40%0.43%0.46%0.46%+10 bps
Return on Equity2.52%2.75%2.99%3.23%3.17%+65 bps
Net Interest Margin1.06%1.12%1.17%1.22%1.26%+21 bps
Efficiency Ratio70.75%69.22%68.44%67.22%67.49%-326 bps
Growth
Asset Growth (YoY)2.60%1.57%3.27%0.70%0.63%-197 bps
Loan Growth (YoY)3.07%4.47%4.67%0.74%2.17%-89 bps
Share Growth (YoY)0.33%0.29%-0.07%-1.12%-1.01%-134 bps
Asset Quality
Delinquent Loans / Loans0.25%0.24%0.28%0.21%0.23%-2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.21%14.37%14.52%14.32%14.59%+38 bps
Net Worth / Assets14.21%14.37%14.52%14.32%14.59%+38 bps
Liquidity & Funding
Loans / Shares28.87%29.41%29.70%28.78%29.80%+93 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps