CU Explorer
Credit unions · Alabama · Q2 2026

Southern Energy CU

Credit union in Birmingham, AL · NCUA charter #62728 · State charter (federally insured)

Legal name: Southern Energy

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$3.60B
Total loans & leases$956M
Total shares & deposits$3.21B
Members91,000
Net worth$525M
Net worth / assets14.59%
Loans / assets26.58%
Return on assets (annualized)0.46%
Loan growth (YoY)2.17%
Member growth (YoY)0.51%
Delinquency, all loans (60+ days)0.23%
CharterState charter (federally insured)
Asset band$1B–$5B
NCUA peer groupover $500M
Sponsor typeManufacturing (inferred from the name)

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search, web search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): uses fintech partners, fintech mortgage lending, online membership application, online loan application, online account opening, online loan payments, bill payment, e-signature, e-Statements, external transfers / ACH, remote deposit capture, mobile payments. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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