WINSOUTH
State-Chartered • GADSDEN, Alabama • Est. 1951
Quick Facts
- Charter Number
- #68744
- Type
- State-Chartered
- Established
- 1951
- Headquarters
- GADSDEN, Alabama 35904-1935
- Address
- 110 S 26TH ST
- Branches
- 9
- ATMs
- 9
- Members
- 35,968
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
35,968 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | WINSOUTH |
|---|---|
| Total Assets | $452.1M |
| Members | 35,968 |
| Loans Outstanding | $296.3M |
| Shares & Deposits | $415.2M |
| Net Worth | $48.1M |
| Net Worth Ratio | 10.64% |
| Loan-to-Share Ratio | 71.4% |
| Delinquency Rate | 0.81% |
| Net Income | +$4,503,922 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
9 locations · 9 ATMs
GULF STATES
Main Office110 S 26TH ST
GADSDEN, AL 35904-1935
FORT PAYNE
101 DRINKARD DR NW
FORT PAYNE, AL 35967
RAINBOW CITY
199 INDEPENDENT DR
RAINBOW CITY, AL 35906
RAINSVILLE
67 ROY SANDERSON AVE
RAINSVILLE, AL 35986
CITY BRANCH
320 ALBERT RAINS BLVD
GADSDEN, AL 35901
Who Can Join WINSOUTH?
Membership Type: Community
Membership eligibility for WINSOUTH may vary. Contact the credit union directly to confirm qualification requirements.
Contact WINSOUTH directly or visit their website for the most accurate and up-to-date membership eligibility information.
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Browse all federally insured credit unions in Alabama, ranked by assets, members, and financial health score.
View Alabama RankingsFrequently Asked Questions
Yes. WINSOUTH is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, WINSOUTH has 35,968 members and a potential membership field of 2,250,000 people.
WINSOUTH's net worth ratio is 10.64% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.6%, WINSOUTH meets this threshold.
WINSOUTH operates 9 branch locations and has access to 9 ATMs. The main office is located at 110 S 26TH ST, GADSDEN, AL 35904-1935.
WINSOUTH was established in 1951. It is a state-chartered credit union chartered under charter number 68744. The institution has been serving members for 75 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or WINSOUTH. All financial data is for informational purposes only.