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
- 35,752
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
35,752 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | WINSOUTH |
|---|---|
| Total Assets | $468.9M |
| Members | 35,752 |
| Loans Outstanding | $299.5M |
| Shares & Deposits | $431.4M |
| Net Worth | $48.9M |
| Net Worth Ratio | 10.43% |
| Loan-to-Share Ratio | 69.4% |
| Delinquency Rate | 0.68% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
Find More Credit Unions in Alabama
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Alabama RankingsFrequently Asked Questions
WINSOUTH is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, WINSOUTH has 35,752 members and a potential membership field of 2,250,000 people.
WINSOUTH's reported net worth ratio is 10.43% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or WINSOUTH. All financial data is for informational purposes only.