Charter 62728 · Birmingham, AL
Southern Energy Credit Union
Southern Energy Credit Union is a state-chartered credit union in Birmingham, Alabama, with $3.60 billion in assets and 90,996 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 14.59%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $3.60 billion
- +0.6% in a year
- Members
- 90,996
- +0.5% in a year
- Net worth ratio
- 14.59%
- Peer median 10.79%
- Loans 60+ days late
- 0.23%
- Peer median 0.67%
- Loans outstanding
- $956 million
- +2.2% in a year
- Shares and deposits
- $3.21 billion
- -1.0% in a year
- Branches
- 28
- 184 employees
- Opened
- 1953
- Alabama charter
How Southern Energy Credit Union compares
NCUA groups credit unions by size; Southern Energy Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 14.59% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.23%, is lower than the group median of 0.67%. Loans grew 2.2% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 3 of 88 credit unions headquartered in Alabama. See all Alabama credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $3.60 billion | 90,996 | $956 million | 14.59% | 0.23% |
| Q1 2026 | $3.64 billion | 90,625 | $939 million | 14.31% | 0.21% |
| Q4 2025 | $3.56 billion | 90,227 | $944 million | 14.51% | 0.28% |
| Q3 2025 | $3.56 billion | 90,616 | $941 million | 14.37% | 0.24% |
| Q2 2025 | $3.58 billion | 90,530 | $936 million | 14.21% | 0.25% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 274,749 potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 28 sites for Southern Energy Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Main Office (main office)
750 17Th St N, Birmingham, AL 35203 - Alabama Power Headquarters
600 18Th St N, Birmingham, AL 35203 - Hueytown
2901 Allison Bonnett Memorial Dr, Hueytown, AL 35023 - Clanton
1872 7Th St S, Clanton, AL 35045 - Dothan
2220 Montgomery Hwy, Dothan, AL 36303 - Hoover
4725 Chace Cir, Hoover, AL 35244 - Jasper
706 20Th Ave E, Jasper, AL 35501 - Mobile
150 Saint Joseph St, Mobile, AL 36602 - Montgomery
244 Dexter Ave, Montgomery, AL 36104 - Pelham
301 Huntley Pkwy, Pelham, AL 35124 - Trussville
151 Main St, Trussville, AL 35173 - Tuscaloosa
630 15Th St, Tuscaloosa, AL 35401 - Chelsea
370 Chelsea Crossroads, Chelsea, AL 35043 - West Mobile
6396 Airport Blvd, Mobile, AL 36608 - Energy Center at the Colonnade
3535 Colonnade Pkwy, Birmingham, AL 35243 - Tattersall
6400 Tattersall Park Dr, Birmingham, AL 35242 - Anniston
925 Quintard Ave, Anniston, AL 36201 - Gardendale
949 Main St, Gardendale, AL 35071 - Tuscaloosa Queen City
915 Queen City Ave, Tuscaloosa, AL 35401 - 30 Allen
30 Ivan Allen Jr Blvd Nw, Atlanta, GA 30308 - Athens branch
285 Newton Bridge Rd, Athens, GA 30607 - Forest Park
62 Lake Mirror Rd, Forest Park, GA 30297 - Georgia Power HQ
241 Ralph Mcgill Blvd Ne, Atlanta, GA 30308 - Gulfport branch
2201 17Th St, Gulfport, MS 39501 - Henry County branch
2500 Patrick Henry Pkwy, McDonough, GA 30253 - Savannah branch
3101 Kilowatt Dr, Savannah, GA 31405 - Jasper Central
410 9Th Ave, Jasper, AL 35501 - Midtown Atlanta
725 West Peachtree Street Nw, Atlanta, GA 30308
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology