State credit union · GADSDEN, Alabama · NCUA charter #68744
WINSOUTH
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $452.1M
- Total assets
- 35,968
- Members
- 10.4%
- Net-worth ratio
WINSOUTH scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $452.1M; members 35,968; net-worth ratio 10.43%; health rank #2,151 of 4,374; healthier than 50th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,151 of 4,374 health · 2025Q4WINSOUTH · health 84/100 · $452.1M · 2025Q4
Call Report peers
WINSOUTH in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
WINSOUTH vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); WINSOUTH sits in 80-84 with 767 others.
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
WINSOUTH: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.81% vs peer 0.89% (-0.08 pp).
- Largest lag: Net Worth Ratio at 10.43% vs peer 12.11% (-1.68 pp).
WINSOUTH: in-state Call Report ranks
- Health composite ranks #44 of 89 among scored Alabama credit unions.
- By total assets, WINSOUTH is #17 of 89 in Alabama.
- Member book place in Alabama: #16 of 89.
- One place up in Alabama, LISTERHILL (#43) ties at 84/100; one place down, Four Seasons (#45) ties at 84/100.
How WINSOUTH's 5300 filing moved
- Assets moved +3.7% from $452.1M (2025Q4) to $468.9M (2026Q1).
- Net-worth ratio shifted -0.21 pp (10.64% → 10.43%).
This credit union's 10.43% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 84/100 score is built
WINSOUTH gives up 16 points in total. Return on Assets costs the most, 12.4 of its 17.6; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 35.3 pts
- Delinquency Rate 25.7 pts
- Return on Assets 5.3 pts
- Loan-to-Share Ratio 17.7 pts
WINSOUTH vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.43% | -1.68 pp |
| Delinquency Rate | 0.81% | -0.08 pp |
| Return on Assets | 0.00% | -0.62 pp |
| Member Growth | N/A | - |
| Loan-to-Share Ratio | 71.36% | -0.84 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - WINSOUTH
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $468.9M | - |
| 2025Q4 | $452.1M | 35,968 |
Credit Union Details
- Charter Number
- 68744
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Alabama
- City
- GADSDEN
- Data Quarter
- 2025Q4
Branch Locations (9)
Per its most recent NCUA branch filing, WINSOUTH runs 9 offices in 8 different cities.
| Office | City |
|---|---|
| GULF STATES (Main Office) | GADSDEN, AL |
| ALBERTVILLE | ALBERTVILLE, AL |
| FORT PAYNE | FORT PAYNE, AL |
| CITY BRANCH | GADSDEN, AL |
| Moody | Moody, AL |
| ONEONTA | ONEONTA, AL |
| Pell City | Pell City, AL |
| RAINBOW CITY | RAINBOW CITY, AL |
| RAINSVILLE | RAINSVILLE, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
More federally-insured credit unions based in Alabama, ordered by peer group match and asset size.
Other-state peers near WINSOUTH
Similar total assets
Using this data
- WINSOUTH ranks #2,151 of 4,374 nationally on financial health and #44 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- AOD is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with AOD
Frequently Asked Questions
Is WINSOUTH financially healthy?
On its 2025Q4 NCUA 5300 filing, WINSOUTH scores 84/100 (Excellent), with a 10.43% net worth ratio and 0.81% of loans delinquent. It ranks #2,151 of 4,374 nationally on health and #44 of 89 in Alabama.
How does WINSOUTH compare to other credit unions?
WINSOUTH scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.81% vs 0.89%). Its widest shortfall is net worth ratio (10.43% vs 12.11%).
How can I join WINSOUTH?
Membership eligibility for WINSOUTH depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact WINSOUTH directly for current membership requirements and application steps.
Is my money safe at WINSOUTH?
WINSOUTH is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. WINSOUTH's net worth ratio of 10.43% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.