WINSOUTH
Charter #68744 · GADSDEN, AL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 35,752 ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.32% sits at the 25th percentile of structural peers — worth a closer look.
- Cost of funds of 1.55% sits at the 85th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.75% sits at the 84th percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 70th percentile but its structural peers at the 85th — a 16-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | WINSOUTH | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $468.91M | 97th pct | 89th pct |
| Members | 35,752 | 97th pct | 90th pct |
| Net worth ratio | 10.43% | 33th pct | 38th pct |
| Return on average assets | 0.67% | 47th pct | 41th pct |
| Net interest margin | 3.32% | 30th pct | 25th pct |
| Cost of funds | 1.55% | 70th pct | 85th pct |
| Loan-to-share | 69.42% | 45th pct | 49th pct |
| Delinquency 60+ days | 0.68% | 56th pct | 61th pct |
| Net charge-off ratio | 0.75% | 81th pct | 84th pct |
| Loan growth YoY | 2.65% | 72th pct | 69th pct |
| Share growth YoY | 4.01% | 58th pct | 54th pct |
| Efficiency ratio | 75.43% | 39th pct | 39th pct |
structural peer set hash: 3580cdf12ad9b78c9a056ebf901413dc… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.