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
- NW 84/100
- DELQ 10.4%
- ROA 0.81%
- ASSETS 0.00%
- MEM $452.1M
- RANK 35,968
- PHOTO #2,151/4,374
- BOOK Public Service
- CHARTER 68744
Call Report peers
WINSOUTH in the assets neighbourhood
WINSOUTH's $452.1M assets sit next to Public Service ($452.2M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #68744. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for AL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
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%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Cross-state asset and health neighbours for WINSOUTH - kept outside Alabama; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($452.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Alabama credit unions compare overall before assuming this one is typical. Alabama state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is WINSOUTH financially healthy?
WINSOUTH scores 84/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,151 of 4,374; by total assets it ranks #797 of 4,374 nationally (same basis as /rankings/largest); and #17 of 89 within Alabama. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.43% net worth ratio and a 0.81% delinquency rate.
How does WINSOUTH compare to other credit unions?
WINSOUTH scores 84/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like WINSOUTH are 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."
What rates does WINSOUTH offer compared to banks?
Credit unions like WINSOUTH are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact WINSOUTH directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.