WINSOUTH
Gadsden, AL · State Credit Union · Chartered in AL
Who can join
Type 99
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
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)
Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.
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.