SOUTHERN ENERGY
Charter #62728 · BIRMINGHAM, AL · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 90,625 ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 14.31% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.47% sits at the 23rd percentile of structural peers — worth a closer look.
- Net interest margin of 1.23% sits at the 7th percentile of structural peers — worth a closer look.
- Cost of funds of 0.39% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | SOUTHERN ENERGY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.64B | 71th pct | 92th pct |
| Members | 90,625 | 36th pct | 77th pct |
| Net worth ratio | 14.31% | 90th pct | 77th pct |
| Return on average assets | 0.47% | 27th pct | 23th pct |
| Net interest margin | 1.23% | 1th pct | 7th pct |
| Cost of funds | 0.39% | 10th pct | 7th pct |
| Loan-to-share | 28.78% | 1th pct | 8th pct |
| Delinquency 60+ days | 0.21% | 9th pct | 23th pct |
| Net charge-off ratio | 0.12% | 7th pct | 34th pct |
| Loan growth YoY | -0.24% | 23th pct | 39th pct |
| Share growth YoY | 1.95% | 17th pct | 23th pct |
| Efficiency ratio | 67.22% | 29th pct | 48th pct |
structural peer set hash: 29cf1aed3c1606a859693124e08ba48b… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.