PackageTrendsPeer
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Winsouth

Gadsden, AL · Charter 68744

NCUA · 9 branches

Q2 2026

$479.4MAssets
$305.5MLoans
$438.7MShares
$49.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.74%, up 16 bps year over year; NIM at 3.25%.
  • Asset quality: problem loans at 0.65% of loans (-10 bps YoY).
  • Capital: net worth / assets of 10.41%, up 9 bps from a year ago.
  • Funding: loans stand at 69.64% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.74%+16 bps YoY

Net Interest Margin (YTD, annualized)

3.25%+20 bps YoY

Efficiency Ratio (YTD, annualized)

76.12%-323 bps YoY

Net Worth / Assets

10.41%+9 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.59%0.68%0.66%0.66%0.74%+16 bps
Return on Equity5.70%6.50%6.17%6.30%7.14%+144 bps
Net Interest Margin3.05%3.13%3.22%3.26%3.25%+20 bps
Efficiency Ratio79.35%78.56%79.68%75.43%76.12%-323 bps
Growth
Asset Growth (YoY)n/an/an/an/a6.43%n/an/a
Loan Growth (YoY)n/an/an/an/a7.53%n/an/a
Share Growth (YoY)n/an/an/an/a4.91%n/an/a
Asset Quality
Delinquent Loans / Loans0.75%0.86%0.81%0.68%0.65%-10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.32%10.52%10.64%10.43%10.41%+9 bps
Net Worth / Assets10.32%10.52%10.64%10.43%10.41%+9 bps
Liquidity & Funding
Loans / Shares67.95%70.34%71.36%69.42%69.64%+169 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps