Winsouth
Gadsden, AL · Charter 68744 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 9 branches
Q2 2026
$479.4MAssets
$305.5MLoans
$438.7MShares
$49.9MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 62% of credit unions under $1B in assets (rank 632 of 1681).
- Widest gap: net interest margin trails 78% of credit unions under $1B in assets (rank 1306 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.74%
Rank 838 of 1,683
Net Interest Margin
3.25%
Rank 1,306 of 1,683
Efficiency Ratio
76.12%
Rank 735 of 1,682
Equity / Assets
10.41%
Rank 1,265 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.74% | 0.35% | 0.74% | 1.18% | Beats 50% | 838 / 1,683 | | |
| Return on Equity | 7.14% | 2.67% | 5.89% | 8.74% | Beats 62% | 632 / 1,681 | | |
| Net Interest Margin | 3.25% | 3.31% | 3.82% | 4.32% | Beats 22% | 1,306 / 1,683 | | |
| Efficiency Ratio | 76.12% | 68.91% | 78.20% | 86.93% | Beats 56% | 735 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.65% | 0.26% | 0.65% | 1.29% | Beats 50% | 839 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.41% | 10.44% | 12.89% | 16.53% | Beats 25% | 1,265 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.41% | 10.44% | 12.89% | 16.53% | Beats 25% | 1,265 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 69.64% | 52.61% | 69.38% | 83.50% | 51st pctl | 833 / 1,683 | | |
| Loans / Assets | 63.74% | 44.71% | 59.18% | 70.72% | 60th pctl | 673 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |