| Weiss Ratings |
WinSouth Credit Union
Gadsden, AL |
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| Rating | ||||
| Asset Quality Index | 7.70 | |||
| Capitalization Index | 3.60 | |||
| Liquidity Index | 2.90 | |||
| Profitability Index | 2.60 | |||
| Stability Index | 4.40 | |||
| 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 | 1.45% | |||
| 5-Year Asset Growth | 8.52% | |||
| 5-Year Charge-Offs to Average Loans | 0.24% | |||
| Charge-Offs to Average Loans | 0.37% | |||
| Non-Performing Assets to Assets | 0.37% | |||
| Non-Performing Loans to Capital | 6.78% | |||
| Non-Performing Loans to Loans | 0.41% | |||
| Balance Sheet |
WinSouth Credit Union
Gadsden, AL |
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| Total Assets | 398.95M | |||
| Total Deposits | 380.55M | |||
| Capital and Reserves |
WinSouth Credit Union
Gadsden, AL |
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| Capital | 19.71M | |||
| Leverage Ratio | 10.74 | |||
| Loan Loss Reserves to Loans | 0.77% | |||
| Liquidity |
WinSouth Credit Union
Gadsden, AL |
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| Hot Money Ratio | 0.00% | |||
| Liquidity Ratio | 5.97% | |||
| Profitability |
WinSouth Credit Union
Gadsden, AL |
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| 5-Year Return on Average Assets | 0.85% | |||
| Net Income | 308.00K | |||
| Net Interest Spread | 3.27% | |||
| Operating Profit to Average Assets | 0.69% | |||
| Overhead Efficiency Ratio | 86.03% | |||
| Return on Assets | 0.31% | |||
| Return on Equity | 6.19% | |||