State credit union · BIRMINGHAM, Alabama · NCUA charter #62728
Southern Energy
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $3.56B
- Total assets
- 90,227
- Members
- 14.3%
- Net-worth ratio
Southern Energy scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.56B; members 90,227; net-worth ratio 14.31%; health rank #1,074 of 4,374; healthier than 73rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,074 of 4,374 health · 2025Q4Southern Energy · health 90/100 · $3.56B · 2025Q4
- RANK 90/100
- PHOTO 14.3%
- BOOK 0.28%
- CHARTER 0.24%
- NCUSIF $3.56B
- CAMELS 90,227
- HEALTH #1,074/4,374
- NW Dupaco Community
- DELQ 62728
Call Report peers
Southern Energy in the assets neighbourhood
Southern Energy's $3.56B assets sit next to Dupaco Community ($3.59B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Southern Energy vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Southern Energy - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #62728 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Southern Energy: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 14.31% here, 11.18% peer average (+3.13 pp).
- Loan-to-Share Ratio trails the peer set - 29.70% here, 83.90% peer average (-54.20 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Southern Energy: in-state Call Report ranks
- Health composite ranks #18 of 89 among scored Alabama credit unions.
- Alabama assets place: #3 of 89.
- Membership ranks #9 of 89 among Alabama CUs with a reported count (90,227 members).
In-state ordinals use the live credit_unions table for AL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Southern Energy's 5300 filing moved
Southern Energy: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.2% from $3.56B (2025Q4) to $3.64B (2026Q1).
- Net-worth ratio shifted -0.20 pp (14.51% → 14.31%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
14.31% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 90/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 11.1 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 8.9 pts
Southern Energy vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.31% | +3.13 pp |
| Delinquency Rate | 0.28% | -0.59 pp |
| Return on Assets | 0.24% | -0.27 pp |
| Member Growth | 5.84% | - |
| Loan-to-Share Ratio | 29.70% | -54.20 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.64B | - |
| 2025Q4 | $3.56B | 90,227 |
| 2024Q4 | $3.45B | 85,252 |
| 2023Q4 | $3.50B | 86,761 |
Credit Union Details
- Charter Number
- 62728
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Alabama
- City
- BIRMINGHAM
- Data Quarter
- 2025Q4
Branch Locations (28)
Per its most recent NCUA branch filing, Southern Energy runs 28 offices in 20 different cities across 3 states.
| Office | City |
|---|---|
| Main Office (Main Office) | Birmingham, AL |
| Anniston | Anniston, AL |
| Athens branch | Athens, GA |
| 30 Allen | Atlanta, GA |
| Georgia Power HQ | Atlanta, GA |
| Midtown Atlanta | Atlanta, GA |
| Alabama Power Headquarters | Birmingham, AL |
| Energy Center at the Colonnade | Birmingham, AL |
| Tattersall | Birmingham, AL |
| Chelsea | Chelsea, AL |
| Clanton | Clanton, AL |
| Dothan | Dothan, AL |
| Forest Park | Forest Park, GA |
| Gardendale | Gardendale, AL |
| Gulfport branch | Gulfport, MS |
| Hoover | Hoover, AL |
| Hueytown | Hueytown, AL |
| Jasper | Jasper, AL |
| Jasper Central | Jasper, AL |
| Henry County branch | McDonough, GA |
| Mobile | Mobile, AL |
| West Mobile | Mobile, AL |
| Montgomery | Montgomery, AL |
| Pelham | Pelham, AL |
| Savannah branch | Savannah, GA |
| Trussville | Trussville, AL |
| Tuscaloosa | Tuscaloosa, AL |
| Tuscaloosa Queen City | Tuscaloosa, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
More federally-insured credit unions based in Alabama, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Southern Energy's nationwide photo peers by assets and by health score, excluding Alabama charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($3.56B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
Using this data
- Southern Energy ranks #1,074 of 4,374 nationally on financial health and #18 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- All in is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with All in
- Rates and health both vary by institution, not just by state -- see how Alabama credit unions compare overall before assuming this one is typical. Alabama state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Southern Energy financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Southern Energy carries a financial health score of 90/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,074 of 4,374; by total assets it ranks #140 of 4,374 nationally (same basis as /rankings/largest); and #3 of 89 within Alabama. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 14.31% net worth ratio and a 0.28% delinquency rate.
How does Southern Energy compare to other credit unions?
Southern Energy scores 90/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Southern Energy?
Membership eligibility for Southern Energy depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Southern Energy directly for current membership requirements and application steps.
Is my money safe at Southern Energy?
Federal credit unions like Southern Energy are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Southern Energy's net worth ratio of 14.31% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Southern Energy offer compared to banks?
Credit unions like Southern Energy are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Southern Energy directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.