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Southern Energy
BIRMINGHAM, AL · NCUA Charter #62728 · State charter, federally insured · Chartered 1953
Total assets
$3.60B
Shares & deposits
$3.21B
Total loans
$956.27M
Members
90,996
Net worth
$524.88M
Branches
28
Rank: #140 of 4,299 U.S. credit unions by assets · #3 of 88 in Alabama. Assets changed 0.6% and membership 0.5% over the year to June 30, 2026.
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Key ratios
| Net worth ratio (capital) | 14.59% |
| Return on assets (annualized, approx.) | 0.00% |
| Delinquent loans, 2+ months (share of loans) | 0.08% |
| Loans to shares & deposits | 29.8% |
| Net income (YTD) | $0 |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $3.63B | $3.41B | $0 | $427.24M |
| Jun 2023 | $3.55B | $3.35B | $0 | $479.19M |
| Jun 2024 | $3.48B | $3.23B | $0 | $489.53M |
| Jun 2025 | $3.58B | $3.24B | $0 | $508.17M |
| Jun 2026 | $3.60B | $3.21B | $0 | $524.88M |
Branch footprint
| State | Branches |
|---|---|
| Alabama | 20 |
| Georgia | 7 |
| Mississippi | 1 |
Similar-sized credit unions
Indiana Members ($3.60B) · Provident ($3.59B)
Source: NCUA Call Report (Form 5300) as of June 30, 2026. Credit unions are member-owned cooperatives; deposits are insured by the NCUSIF. See methodology.
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