SOUTHERN ENERGY
State-Chartered • BIRMINGHAM, Alabama • Est. 1953
Quick Facts
- Charter Number
- #62728
- Type
- State-Chartered
- Established
- 1953
- Headquarters
- BIRMINGHAM, Alabama 35203
- Address
- 750 17TH ST N
- Branches
- 28
- ATMs
- 17
- Members
- 90,227
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
90,227 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | SOUTHERN ENERGY |
|---|---|
| Total Assets | $3.6B |
| Members | 90,227 |
| Loans Outstanding | $944.4M |
| Shares & Deposits | $3.2B |
| Net Worth | $517.2M |
| Net Worth Ratio | 14.51% |
| Loan-to-Share Ratio | 29.7% |
| Delinquency Rate | 0.28% |
| Net Income | +$16,124,880 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
28 locations · 17 ATMs
Main Office
Main Office750 17th St N
Birmingham, AL 35203
Alabama Power Headquarters
600 18th St N
Birmingham, AL 35203-2206
Hueytown
2901 Allison Bonnett Memorial Dr
Hueytown, AL 35023-1835
Clanton
1872 7th St S
Clanton, AL 35045
Dothan
2220 Montgomery Hwy
Dothan, AL 36303-3200
Who Can Join SOUTHERN ENERGY?
Membership Type: Community
Membership eligibility for SOUTHERN ENERGY may vary. Contact the credit union directly to confirm qualification requirements.
Contact SOUTHERN ENERGY directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Alabama RankingsFrequently Asked Questions
Yes. SOUTHERN ENERGY is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, SOUTHERN ENERGY has 90,227 members and a potential membership field of 274,749 people.
SOUTHERN ENERGY's net worth ratio is 14.51% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 14.5%, SOUTHERN ENERGY meets this threshold.
SOUTHERN ENERGY operates 28 branch locations and has access to 17 ATMs. The main office is located at 750 17th St N, Birmingham, AL 35203.
SOUTHERN ENERGY was established in 1953. It is a state-chartered credit union chartered under charter number 62728. The institution has been serving members for 73 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or SOUTHERN ENERGY. All financial data is for informational purposes only.