Southern Energy
Southern Energy is a credit union based in Birmingham, Alabama, established in 1953, with $3.6 billion in total assets serving 90,625 members. By Trust Grade it ranks 42nd of 89 credit unions we track in Alabama. Its net worth ratio of 14.3% is stronger than 90% of similarly sized credit unions, versus a Alabama median of 14.2%. It was profitable over the most recent period, with a 0.46% return on assets. No consumer complaints against Southern Energy appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Southern Energy compares to Alabama peers
How we graded Southern Energy
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (14.3% capital ratio)
- Profitable (ROA 0.46%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Southern Energy over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Southern Energy insured?
Yes. Southern Energy is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Southern Energy: frequently asked questions
Is Southern Energy a good credit union?
Southern Energy earns a Bankzia Trust Grade of A (94/100, "Excellent"), based on a financial-strength score of 94/100 (it has no CFPB complaints on record). Strongly capitalized (14.3% capital ratio); Profitable (ROA 0.46%).
Is Southern Energy NCUA-insured?
Yes. Southern Energy is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Southern Energy?
Southern Energy holds $3.6 billion in total assets, ranking 42nd of 89 credit unions we track in Alabama. It serves 90,625 members.
Does Southern Energy have CFPB complaints?
No CFPB complaints against Southern Energy appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
