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
Call Report peers
Southern Energy in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Southern Energy sits in 90-94 with 747 others.
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: 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).
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).
- One place up in Alabama, MAX (#17) ties at 90/100; one place down, VALLEY (#19) ties at 90/100.
How Southern Energy's 5300 filing moved
Southern Energy: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $3.56B (2025Q4) to $3.64B (2026Q1).
- Net-worth ratio shifted -0.20 pp (14.51% → 14.31%).
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
Southern Energy gives up 10 points in total. Loan-to-Share Ratio costs the most, 6.3 of its 15; Net Worth Ratio and Delinquency Rate and Member Growth score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Southern Energy financially healthy?
Southern Energy has a financial health score of 90/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,074 of 4,374 nationally on health and #18 of 89 in Alabama. Its net worth ratio is 14.31% and its delinquency rate 0.28%.
How does Southern Energy compare to other credit unions?
Southern Energy scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (14.31% vs 11.18%). Its widest shortfall is loan-to-share ratio (29.70% vs 83.90%).
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?
Southern Energy is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.