Credit unions · Alabama · Q2 2026
Winsouth CU AI Score
Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.
| Total assets | $479M |
| Total loans & leases | $306M |
| Total shares & deposits | $439M |
| Members | 33,720 |
| Net worth | $49.9M |
| Net worth / assets | 10.41% |
| Loans / assets | 63.74% |
| Return on assets (annualized) | 0.74% |
| Loan growth (YoY) | 7.53% |
| Member growth (YoY) | −6.62% |
| Delinquency, all loans (60+ days) | 0.65% |
| Charter | State charter (federally insured) |
| Asset band | $250M–$1B |
| NCUA peer group | $100M–$500M |
| Sponsor type | Community (inferred from the name) |
AI readiness
AI Score: 3 of 5 stars, AI connected to internal credit-union data
WinSouth's own member resources page tells members that its new card fraud system uses artificial intelligence that learns their individual debit card spending behavior, which is machine learning applied to the credit union's own transaction data. No public evidence shows AI making decisions inside other business processes or AI agents taking actions.
- Card Support | WinSouth | Gadsden, Albertville, Fort Payne - AL “Please bear with us as the new system's artificial intelligence learns your debit card behaviors and trends.”