Winsouth

GADSDEN, AL · 2 · Charter #68744 · www.winsouthcu.com
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$452.1M
51th percentile
Members
35,968
67th percentile
Total loans
$296.3M
49th percentile
Total shares
$415.2M
56th percentile

Profitability

Return on assets
1.00%
52th percentile
Net interest margin
3.22%
34th percentile
Efficiency ratio
60.65%
43th percentile
Non-interest income ratio
26.14%
84th percentile

Capital & Risk

Net worth ratio
10.64%
46th percentile
Delinquency rate
0.81%
40th percentile
Net charge-off rate
0.45%
47th percentile
Loan-to-share
71.36%
29th percentile

Growth

Member growth YoY
no peer data
Asset growth YoY
no peer data
Loan growth YoY
no peer data
Share growth YoY
no peer data

Operations

Members / branch
3,996
37th percentile
Assets / member
$12,569
16th percentile
Field of membership penetration
1.60%
23th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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