Winsouth
Winsouth is a credit union based in Gadsden, Alabama, established in 1951, with $469 million in total assets serving 35,752 members. By Trust Grade it ranks 63rd of 89 credit unions we track in Alabama. Its net worth ratio of 10.4% trails most similarly sized credit unions (37th percentile), versus a Alabama median of 14.2%. It was profitable over the most recent period, with a 0.66% return on assets. No consumer complaints against Winsouth appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Winsouth compares to Alabama peers
How we graded Winsouth
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (10.4% capital ratio)
- Profitable (ROA 0.66%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Winsouth over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Winsouth insured?
Yes. Winsouth is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Winsouth: frequently asked questions
Is Winsouth a good credit union?
Winsouth earns a Bankzia Trust Grade of A (90/100, "Excellent"), based on a financial-strength score of 90/100 (it has no CFPB complaints on record). Well-capitalized (10.4% capital ratio); Profitable (ROA 0.66%).
Is Winsouth NCUA-insured?
Yes. Winsouth is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Winsouth?
Winsouth holds $469 million in total assets, ranking 63rd of 89 credit unions we track in Alabama. It serves 35,752 members.
Does Winsouth have CFPB complaints?
No CFPB complaints against Winsouth appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
