Charter 68744 · Gadsden, AL
Winsouth Credit Union
Winsouth Credit Union is a state-chartered credit union in Gadsden, Alabama, with $479 million in assets and 33,719 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 10.41%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $479 million
- +6.4% in a year
- Members
- 33,719
- -6.6% in a year
- Net worth ratio
- 10.41%
- Peer median 11.65%
- Loans 60+ days late
- 0.65%
- Peer median 0.70%
- Loans outstanding
- $306 million
- +7.5% in a year
- Shares and deposits
- $439 million
- +4.9% in a year
- Branches
- 9
- 131 employees
- Opened
- 1951
- Alabama charter
How Winsouth Credit Union compares
NCUA groups credit unions by size; Winsouth Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 10.41% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.65%, is about the same as the group median of 0.70%. Loans grew 7.5% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 16 of 88 credit unions headquartered in Alabama. See all Alabama credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $479 million | 33,719 | $306 million | 10.41% | 0.65% |
| Q1 2026 | $469 million | 35,752 | $299 million | 10.43% | 0.68% |
| Q4 2025 | $452 million | 35,968 | $296 million | 10.64% | 0.81% |
| Q3 2025 | $451 million | 36,133 | $292 million | 10.52% | 0.86% |
| Q2 2025 | $450 million | 36,109 | $284 million | 10.32% | 0.75% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 2.3 million potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 9 sites for Winsouth Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- GULF STATES (main office)
110 S 26Th St, Gadsden, AL 35904 - 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 - ONEONTA
201 3Rd St S, Oneonta, AL 35121 - ALBERTVILLE
3512 Us Highway 431, Albertville, AL 35950 - Moody
2460 Moody Pkwy, Moody, AL 35004 - Pell City
2950 Cogswell Ave, Pell City, AL 35125
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology