BlastPoint's Credit Union Scorecard
WINSOUTH
Charter #68744 · AL
WINSOUTH has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 2.3% in tier
- + Total Members: Top 3.1% in tier
- + Total Assets: Top 4.4% in tier
- + Total Loans: Top 6.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 56.0% in tier
- - ROA 0.10% below tier average
- - Efficiency ratio 2.66% above tier (higher cost structure)
- - Member Growth Rate: Bottom 0.0% in tier
- - Asset Growth Rate: Bottom 0.0% in tier
- - Loan Growth Rate: Bottom 0.0% in tier
- - Deposit Growth Rate: Bottom 0.0% in tier
- - AMR Growth Rate: Bottom 0.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
35,968
-0.5% QoQ
|
+20.5K |
15,437
-2.9% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
Top 3.2% in tier |
| Assets |
$452.1M
+0.2% QoQ
|
+$220.2M |
$231.9M
+1.3% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
Top 4.5% in tier |
| Loans |
$296.3M
+1.6% QoQ
|
+$148.9M |
$147.3M
-0.1% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
Top 6.8% in tier |
| Deposits |
$415.2M
+0.1% QoQ
|
+$214.4M |
$200.8M
+0.8% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
Top 2.4% in tier |
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| ROA |
0.7%
-3.9% QoQ
|
-0.1% |
0.8%
+18.2% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
42% |
| NIM |
3.2%
+2.7% QoQ
|
-0.4% |
3.6%
+6.7% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
27% |
| Efficiency Ratio |
79.7%
+1.4% QoQ
|
+2.7% |
77.0%
-3.1% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
59% |
| Delinquency Rate |
0.8%
-5.0% QoQ
|
-0.1 |
0.9%
+4.2% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
57% |
| Loan To Share |
71.4%
+1.4% QoQ
|
-0.9% |
72.2%
-1.1% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
44% |
| AMR |
$19,781
+1.2% QoQ
|
$-5K |
$24,676
+3.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
32% |
| CD Concentration |
34.9%
+3.4% QoQ
|
+10.5% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % |
25.5%
-2.8% QoQ
|
+11.7% | 13.8% | 5.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)