| Weiss Ratings |
WinSouth Credit Union
Gadsden, AL |
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| Rating | ||||
| Asset Quality Index | 7.40 | |||
| Capitalization Index | 4.20 | |||
| Liquidity Index | 3.70 | |||
| Profitability Index | 5.80 | |||
| Stability Index | 2.90 | |||
| Company Info |
WinSouth Credit Union
Gadsden, AL |
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| NCUA Charter Number | 5735 | |||
| Phone Number | (256) 543-7302 | |||
| Website | www.winsouthcu.com | |||
| Asset Quality |
WinSouth Credit Union
Gadsden, AL |
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| 1-Year Asset Growth | 14.52% | |||
| 5-Year Asset Growth | 10.80% | |||
| 5-Year Charge-Offs to Average Loans | 0.24% | |||
| Charge-Offs to Average Loans | 0.54% | |||
| Non-Performing Assets to Assets | 0.52% | |||
| Non-Performing Loans to Capital | 7.93% | |||
| Non-Performing Loans to Loans | 0.74% | |||
| Balance Sheet |
WinSouth Credit Union
Gadsden, AL |
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| Total Assets | 456.89M | |||
| Total Deposits | 425.85M | |||
| Capital and Reserves |
WinSouth Credit Union
Gadsden, AL |
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| Capital | 27.89M | |||
| Leverage Ratio | 10.02 | |||
| Loan Loss Reserves to Loans | 0.81% | |||
| Liquidity |
WinSouth Credit Union
Gadsden, AL |
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| Hot Money Ratio | 20.17% | |||
| Liquidity Ratio | 14.50% | |||
| Profitability |
WinSouth Credit Union
Gadsden, AL |
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| 5-Year Return on Average Assets | 0.90% | |||
| Net Income | 629.00K | |||
| Net Interest Spread | 3.57% | |||
| Operating Profit to Average Assets | 0.97% | |||
| Overhead Efficiency Ratio | 78.68% | |||
| Return on Assets | 0.56% | |||
| Return on Equity | 9.38% | |||