WINSOUTH
Gadsden, AL · State Credit Union · Chartered in AL
Who can join
State government employees (special charter)
Members
35,752
Net Worth Ratio
10.43%
min. 7% = Well Capitalized
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
At a Glance
Total Assets
$468.9M
Peer Group 5
Members
35,752
as of latest quarter
Net Worth Ratio
10.43%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
Total Assets
$468.9M
Total Shares
$431.4M
Total Loans
$299.5M
Net Worth Ratio
10.43%
≥7% = Well Capitalized
Members
35,752
Delinquency Rate (60d+)
0.53%
$1.6M
Loan-to-share ratio: 69.4%· healthy range 60–80%
Branch Locations
NCUAGULF STATES
110 S 26TH ST, GADSDEN, AL, 35904-1935
M,T,TH.F: 8-12:45 2-4:30 W: 8-12:00
FORT PAYNE
101 DRINKARD DR NW, FORT PAYNE, AL, 35967
M,T: 8-4 W: 8-1 TH,F: 8-4:30
RAINBOW CITY
199 INDEPENDENT DR, RAINBOW CITY, AL, 35906
M,T,TH,F: 9-5:30 W: 8:30-12:30
RAINSVILLE
67 ROY SANDERSON AVE, RAINSVILLE, AL, 35986
M,T: 8-4 W: 8-1 TH,F: 8-4:30
CITY BRANCH
320 ALBERT RAINS BLVD, GADSDEN, AL, 35901
M,T,TH: 8-4:30 W: 8:30-12 F: 8-5 SAT: 8:30-12(DRIVE THRU ONLY)
ONEONTA
201 3RD ST S, ONEONTA, AL, 35121-2184
M,T,TH,F: 8-4:30 W: 8-12
ALBERTVILLE
3512 US Highway 431, ALBERTVILLE, AL, 35950-0204
M,T,TH,F: 8-4:30 W: 8-12
Moody
2460 Moody Pkwy, Moody, AL, 35004
M-Th 9:00-4:30F 9:00-5:00
Pell City
2950 Cogswell AVe, Pell City, AL, 35125
M-Th 9:00-4:30F 9:00-5:00
Mortgage Lending (HMDA)
No HMDA mortgage lending data on record for this credit union.
Consumer Complaints
No CFPB complaint data available for this credit union.
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<a href="https://bankscorer.com/credit-union/winsouth" target="_blank" rel="noopener">View WINSOUTH on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.