WINSOUTH
CUGADSDEN, AL
Total Assets
$479M
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Total Loans
$306M
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WINSOUTH in AL reported a Texas Ratio of 4.6% in Q2 2026, remaining stable from the prior quarter. Nonperforming assets declined to 0.65%, down -0.03pp quarter-over-quarter.
Portfolio composition
| Category | Balance | % of total | NPL % | Charge-off % |
|---|---|---|---|---|
| 1-4 family — 1st lien | $90M | 29.5% | — | — |
| 1-4 family — junior lien | $14M | 4.6% | — | — |
| Multifamily | $6M | 1.9% | — | — |
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| FOUNDATION Consumer Credit Card — Unlock to view | ||||
| FOUNDATION Consumer Other Unsecured — Unlock to view | ||||
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20-quarter trend panels
See how Texas Ratio, NPL %, and charge-offs evolved across the last 5 years.
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Peer cohort comparison
Benchmark against banks in the same size and geography cohort.
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Full portfolio composition
Every loan category, NPL ratio, and charge-off rate — beyond the top 3.
WINSOUTH currently appears on: Rising NPLs by Collateral (Credit Unions)