Applications / Mortgage Analytics / Lenders / Alabama / Southern Energy Credit Union / Competition
Southern Energy Credit Union
Birmingham, AL · Credit union · NCUA · $3.6 billion assets · 572 loans in 2025
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572
loans originated, 2025
800
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Who Southern Energy Credit Union competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — BIRMINGHAM, AL, 2025
Southern Energy Credit Union ranks 46th of 523 lenders in Birmingham, AL, with $38.6M lent: 0.5% of a $7.02B market.
Birmingham, AL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Southern Energy Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 33% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — ATLANTA-SANDY SPRINGS-ALPHARETTA, GA, 2025
Southern Energy Credit Union ranks 377th of 892 lenders in Atlanta-Sandy Springs-Alpharetta, GA, with $8.1M lent: 0.0% of a $52.32B market.
Atlanta-Sandy Springs-Alpharetta, GA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Southern Energy Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 30% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — NON-METRO ALABAMA, 2025
Southern Energy Credit Union ranks 121st of 523 lenders in non-metro Alabama, with $7.2M lent: 0.2% of a $3.92B market.
non-metro Alabama is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Southern Energy Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 29% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — DOTHAN, AL, 2025
Southern Energy Credit Union ranks 41st of 222 lenders in Dothan, AL, with $5.0M lent: 0.7% of a $697.4M market.
Dothan, AL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Southern Energy Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 38% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — DAPHNE-FAIRHOPE-FOLEY, AL, 2025
Southern Energy Credit Union ranks 130th of 485 lenders in Daphne-Fairhope-Foley, AL, with $3.8M lent: 0.1% of a $2.98B market.
Daphne-Fairhope-Foley, AL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Southern Energy Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 32% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — JACKSON, MS, 2025
Southern Energy Credit Union ranks 252nd of 306 lenders in Jackson, MS, with $265K lent: 0.0% of a $2.61B market.
Jackson, MS is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Southern Energy Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 54% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — PENSACOLA-FERRY PASS-BRENT, FL, 2025
Southern Energy Credit Union ranks 268th of 515 lenders in Pensacola-Ferry Pass-Brent, FL, with $820K lent: 0.0% of a $3.92B market.
Pensacola-Ferry Pass-Brent, FL is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Southern Energy Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 42% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — NON-METRO MISSISSIPPI, 2025
Southern Energy Credit Union ranks 297th of 438 lenders in non-metro Mississippi, with $455K lent: 0.0% of a $3.95B market.
non-metro Mississippi is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Southern Energy Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 43% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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