| Weiss Ratings |
WinSouth Credit Union
Gadsden, AL |
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| Rating | ||||
| Asset Quality Index | 6.80 | |||
| Capitalization Index | 5.30 | |||
| Liquidity Index | 3.30 | |||
| Profitability Index | 6.50 | |||
| Stability Index | 4.00 | |||
| 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 | 3.84% | |||
| 5-Year Asset Growth | 10.80% | |||
| 5-Year Charge-Offs to Average Loans | 0.24% | |||
| Charge-Offs to Average Loans | 0.48% | |||
| Non-Performing Assets to Assets | 0.62% | |||
| Non-Performing Loans to Capital | 8.06% | |||
| Non-Performing Loans to Loans | 0.86% | |||
| Balance Sheet |
WinSouth Credit Union
Gadsden, AL |
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| Total Assets | 451.25M | |||
| Total Deposits | 414.70M | |||
| Capital and Reserves |
WinSouth Credit Union
Gadsden, AL |
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| Capital | 32.64M | |||
| Leverage Ratio | 10.52 | |||
| Loan Loss Reserves to Loans | 0.80% | |||
| Liquidity |
WinSouth Credit Union
Gadsden, AL |
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| Hot Money Ratio | 19.43% | |||
| Liquidity Ratio | 12.40% | |||
| Profitability |
WinSouth Credit Union
Gadsden, AL |
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| 5-Year Return on Average Assets | 0.90% | |||
| Net Income | 2.31M | |||
| Net Interest Spread | 3.68% | |||
| Operating Profit to Average Assets | 1.04% | |||
| Overhead Efficiency Ratio | 78.56% | |||
| Return on Assets | 0.68% | |||
| Return on Equity | 10.77% | |||