| Metric | Winsouth Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +4.1% | +2.3 pts |
| Share growth (YoY) | +4.9% | +3.5% | +1.4 pts |
| Loan growth (YoY) | +7.5% | +2.9% | +4.7 pts |
| ROA | 0.74% | 0.74% | +0.0 pts |
| ROE | 7.1% | 6.5% | +0.7 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $479.4M | $438.7M | $305.5M | $49.9M | $1.8M | 0.74% | 3.25% | 0.65% | 33,719 |
| Q1 2026 | $468.9M | $431.4M | $299.5M | $48.9M | $770K | 0.66% | 3.26% | 0.68% | 35,752 |
| Q4 2025 | $452.1M | $415.2M | $296.3M | $48.1M | $3.0M | 0.66% | 3.22% | 0.81% | 35,968 |
| Q3 2025 | $451.3M | $414.7M | $291.7M | $47.5M | $2.3M | 0.68% | 3.13% | 0.86% | 36,133 |
| Q2 2025 | $450.4M | $418.2M | $284.2M | $46.5M | $1.3M | 0.59% | 3.05% | 0.75% | 36,109 |
Loan mix (Q2 2026): real estate $104.4M · commercial $26.3M · consumer $155.8M · securities $94.2M
| Ratio | Winsouth Credit Union | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 0.74% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 6.5% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.25% | 3.67% | 25th | |
Peer lists, growth filters, CSV export, CRM push.
| 76.1% |
| 77.5% |
45th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Winsouth Credit Union | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Winsouth Credit Union | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Winsouth Credit Union | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Winsouth Credit Union | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Winsouth Credit Union | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
9 branches in 4 counties across 1 state (+0 vs 2025). Biggest market: Etowah, AL, ranked 7th with 7.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Etowah, AL | 3 | $146.2M* | 7.17% | 7th |
| St. Clair, AL | 2 | $97.5M* | 5.26% | 5th |
| Blount, AL | 1 | $48.7M* | 4.54% | 6th |
| 1 more county with Pro → | ||||
Alabama: 65th with 0.25% · Birmingham metro: 38th, 0.24% · Gadsden metro: 7th, 7.17% · * Deposits estimated (total shares spread across branches).
Branch count: 2025 9 · 2026 9