BlastPoint's Credit Union Scorecard
WINSOUTH
Charter #68744 · AL
WINSOUTH has 6 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Total Deposits: Top 0.6% in tier
- + Total Assets: Top 1.9% in tier
- + Total Members: Top 4.2% in tier
- + AMR Growth Rate: Top 4.8% in tier
- + Total Loans: Top 5.8% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - ROA 0.11% below tier average
- - Member decline: -6.6% YoY
- - Member Growth Rate: Bottom 6.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 21 that size in Alabama.
- Shares and deposits +4.9% year over year ($439M in shares and deposits).
- Membership: 33,719 members, -6.6% vs a year ago.
- Delinquency rate 0.65%.
- Return on assets 0.75%.
- Efficiency ratio 76.12% vs a 76.73% peer average.
- Loan-to-share ratio 69.64% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
33,719
-6.6% YoY-5.7% QoQ
|
+18.6K |
15,168
-2.6% YoY
|
28,281
-1.7% YoY
|
34,678
+6.6% YoY
|
Top 4.3% in tier |
| Assets |
$479.4M
+6.4% YoY+2.2% QoQ
|
+$247.4M |
$232.0M
+0.7% YoY
|
$459.0M
+7.0% YoY
|
$593.1M
+10.2% YoY
|
Top 2.0% in tier |
| Loans |
$305.5M
+7.5% YoY+2.0% QoQ
|
+$159.3M |
$146.3M
+0.2% YoY
|
$266.3M
+5.7% YoY
|
$418.6M
+10.1% YoY
|
Top 5.9% in tier |
| Deposits |
$438.7M
+4.9% YoY+1.7% QoQ
|
+$238.0M |
$200.7M
+0.2% YoY
|
$400.1M
+6.1% YoY
|
$504.8M
+10.3% YoY
|
Top 0.7% in tier |
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| ROA |
0.8%
+27.8% YoY+14.3% QoQ
|
-0.1% |
0.9%
+12.5% YoY
|
1.1%
+39.6% YoY
|
1.2%
+121.4% YoY
|
49% |
| NIM |
3.3%
+7.9% YoY+0.9% QoQ
|
-0.4% |
3.7%
+4.5% YoY
|
3.7%
+1.1% YoY
|
3.8%
+2.3% YoY
|
27% |
| Efficiency Ratio |
76.1%
-4.1% YoY+0.9% QoQ
|
-0.6% |
76.7%
-0.8% YoY
|
82.1%
+5.7% YoY
|
83.0%
-5.3% YoY
|
46% |
| Delinquency Rate |
0.7%
-12.8% YoY-4.6% QoQ
|
-0.2 |
0.9%
+6.6% YoY
|
1.4%
-5.8% YoY
|
1.3%
+2.6% YoY
|
46% |
| Loan To Share |
69.6%
+2.5% YoY+0.3% QoQ
|
-1.9% |
71.5%
-0.3% YoY
|
59.3%
-1.7% YoY
|
66.4%
-1.4% YoY
|
43% |
| AMR |
$22,073
+13.5% YoY+8.0% QoQ
|
$-3K |
$25,107
+3.2% YoY
|
$17,701
+4.0% YoY
|
$20,028
-0.9% YoY
|
44% |
| CD Concentration |
35.9%
+5.7% YoY+3.5% QoQ
|
+11.3% | 24.6% | 21.8% | 20.0% | 50% |
| Indirect Auto % |
23.9%
-9.2% YoY-5.1% QoQ
|
+10.3% | 13.6% | 5.2% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)