| Weiss Ratings |
WinSouth Credit Union
Gadsden, AL |
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| Rating | ||||
| Asset Quality Index | 7.20 | |||
| Capitalization Index | 4.50 | |||
| Liquidity Index | 3.40 | |||
| Profitability Index | 6.00 | |||
| Stability Index | 3.50 | |||
| 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 | 8.85% | |||
| 5-Year Asset Growth | 10.80% | |||
| 5-Year Charge-Offs to Average Loans | 0.24% | |||
| Charge-Offs to Average Loans | 0.52% | |||
| Non-Performing Assets to Assets | 0.54% | |||
| Non-Performing Loans to Capital | 7.92% | |||
| Non-Performing Loans to Loans | 0.75% | |||
| Balance Sheet |
WinSouth Credit Union
Gadsden, AL |
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| Total Assets | 450.42M | |||
| Total Deposits | 418.18M | |||
| Capital and Reserves |
WinSouth Credit Union
Gadsden, AL |
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| Capital | 28.83M | |||
| Leverage Ratio | 10.32 | |||
| Loan Loss Reserves to Loans | 0.80% | |||
| Liquidity |
WinSouth Credit Union
Gadsden, AL |
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| Hot Money Ratio | 19.75% | |||
| Liquidity Ratio | 8.77% | |||
| Profitability |
WinSouth Credit Union
Gadsden, AL |
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| 5-Year Return on Average Assets | 0.90% | |||
| Net Income | 1.32M | |||
| Net Interest Spread | 3.61% | |||
| Operating Profit to Average Assets | 0.96% | |||
| Overhead Efficiency Ratio | 79.35% | |||
| Return on Assets | 0.59% | |||
| Return on Equity | 9.60% | |||