SOUTHERN ENERGY Credit Union Profile

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SOUTHERN ENERGY

Charter #62728 | NCUA Region 2 | FISCU

Low-Income Designation: No

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (205) 226-6800

Fax: (205) 226-6850

Founding Date: N/A

Website: http://www.southernenergycu.org

Personnel & Operations

President: Shipp, Gregg

Manager: Rush, Andy

FT Employees: 167

PT Employees: 16

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 30

Hours: 8:30AM - 4:30PM

Credit Union Profile Summary

SOUTHERN ENERGY is a FISCU Credit Union. With a total of 90,530 members ^[1], this institution manages approximately $3,575,525,345 in total assets ^[1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 14.21% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 3.07% ^[1].

Financial Snapshot

Total Assets ^[1]

$3,575,525,345

Total economic resources.

Total Loans ^[1]

$935,928,068

Total value of outstanding loans.

Total Deposits ^[1]

$3,241,666,550

Total funds deposited by members.

Members ^[1]

90,530

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

14.21%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

0.36%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

28.87%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 2.60%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↑ 3.07%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↑ 6.10%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

750 17TH ST N

BIRMINGHAM, AL, 35203

Open in Google Maps

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

Rate This Credit Union

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Branch Locations

Found 20 branches reported by SOUTHERN ENERGY (Charter #62728).

Main Office

Main Office Main Office

Type: Corporate Office

750 17th St N

Birmingham, AL 35203

Phone: (205) 226-6800

Services: Member Services, ATM, Drive-Thru

SOUTHERN ENERGY Credit Union Profile

SOUTHERN ENERGY

Headquarters Contact & Staff

Credit Union Profile Summary

Financial Snapshot

Performance Ratios

Four-Quarter Growth

Headquarters Location & Map

Headquarters Address

Member Ratings & Reviews

Rate This Credit Union

Branch Locations

Main Office

Main Office Main Office

Additional Branches

Anniston

Birmingham

Chelsea

Clanton

Dothan

Gardendale

Hoover

Hueytown

Jasper

Mobile

Montgomery

Pelham

Trussville

Tuscaloosa