C
Winston-Salem Federal Credit Union
Rating Date
December 2025
Net Capital
Ratio
10.46
Leverage
Ratio
12.61
Return On
Assets
-0.59%
Total
Assets
59.85M
Capital
6.26M
Total
Deposits
52.32M
Net
Income
-88.00K
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Weiss Ratings Winston-Salem Federal Credit Union
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Rating C
Asset Quality Index 7.30
Capitalization Index 8.40
Liquidity Index 6.20
Profitability Index 2.10
Stability Index 3.30
Company Info Winston-Salem Federal Credit Union
Winston-Salem, NC 		Click to
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NCUA Charter Number 5486
Phone Number (336) 727-2663
Website www.mywsfcu.org
Asset Quality Winston-Salem Federal Credit Union
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1-Year Asset Growth -7.11%
5-Year Asset Growth 0.33%
5-Year Charge-Offs to Average Loans 1.22%
Charge-Offs to Average Loans 1.59%
Non-Performing Assets to Assets 0.48%
Non-Performing Loans to Capital 4.25%
Non-Performing Loans to Loans 1.27%
Balance Sheet Winston-Salem Federal Credit Union
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Total Assets 59.85M
Total Deposits 52.32M
Capital and Reserves Winston-Salem Federal Credit Union
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Capital 6.26M
Leverage Ratio 12.61
Loan Loss Reserves to Loans 2.71%
Liquidity Winston-Salem Federal Credit Union
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Hot Money Ratio 7.01%
Liquidity Ratio 51.44%
Profitability Winston-Salem Federal Credit Union
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5-Year Return on Average Assets 0.16%
Net Income -88.00K
Net Interest Spread 5.79%
Operating Profit to Average Assets 0.39%
Overhead Efficiency Ratio 94.43%
Return on Assets -0.59%
Return on Equity -5.52%