State credit union · BIRMINGHAM, Alabama · NCUA charter #62728
Southern Energy
Health score 61/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 61
- Health / 100
- $3.56B
- Total assets
- 90,227
- Members
- 0.6%
- Net-worth ratio
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 - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)5
- Asset quality (delinquency)100
- Earnings (ROA)74
- Member growth100
- Liquidity (loan-to-share)58
Weighted composite: 61/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
0.56% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 0.56% | 30% |
| Delinquency Rate | 0.28% | 25% |
| Return on Assets | 0.24% | 15% |
| Member Growth | 5.84% | 15% |
| Loan-to-Share Ratio | 29.70% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Southern Energy
The five-factor composite scores Southern Energy at 61/100 (Good), reflecting a net worth ratio of 0.56% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in BIRMINGHAM, Alabama, reports 90,227 members, $3.56B in total assets, and $944.4M in outstanding loans as of Q4 2025 under charter #62728 (peer group Over $500M, a cohort of 749 similarly-sized institutions).
Two more numbers round out the picture: a 0.28% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers - and a 29.70% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.24% on net income of $8.5M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 5.84%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Alabama
More federally-insured credit unions based in Alabama, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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 61/100 (Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 0.56% net worth ratio and a 0.28% delinquency rate.
How does Southern Energy compare to other credit unions?
Southern Energy scores 61/100 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 0.56% is relative to 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.
Read our methodology - how this data is sourced, computed, and verified.
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.