WINSOUTH CREDIT UNION: Form 990, tax year 2025

View the entire original 990 at ProPublica ↗

Organization: WINSOUTH CREDIT UNION (EIN 63-0371386)
Tax period: 2025-01-01 to 2025-12-31
Filed: 2026-05-13
IRS object ID: 202631339349305013
Schema version: 2025v4.1
Source: Download XML · Original 990 at ProPublica

Every field in the e-filed return. Faint text is the IRS element name, for citing.

Return header
Form 990
Schedule D
Schedule I
Schedule J
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2026-05-13T12:32:46-05:00	ReturnTs
Tax Period End	2025-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	461498870	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	BMSS LLC	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	1121 RIVERCHASE OFFICE RD	AddressLine1Txt
City	BIRMINGHAM	CityNm
State Abbreviation	AL	StateAbbreviationCd
ZIP	35244	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2025-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	630371386	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	WINSOUTH CREDIT UNION	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	WINS	BusinessNameControlTxt
Phone	2565437302	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	110 SOUTH 26TH STREET	AddressLine1Txt
City	GADSDEN	CityNm
State Abbreviation	AL	StateAbbreviationCd
ZIP	359041935	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	TRACI HIGGINS	PersonNm
Person Title	CFO	PersonTitleTxt
Phone	2565437302	PhoneNum
Signature	2026-05-13	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	JOANNA TETER CPA	PreparerPersonNm
PTIN	P00733385	PTIN
Phone	2059825500	PhoneNum
Preparation	2026-05-13	PreparationDt

Field	Value	IRS element (for citing)
Tax	2025	TaxYr
Build TS	2025-03-06 01:10:19Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	TRACI HIGGINS	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	110 SOUTH 26TH STREET	AddressLine1Txt
City	GADSDEN	CityNm
State Abbreviation	AL	StateAbbreviationCd
ZIP	359041935	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$29,905,758	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.WINSOUTHCU.COM	WebsiteAddressTxt
Type Of Organization Other	Yes (X)	TypeOfOrganizationOtherInd
Other Organization Dsc	STATE CHARTERED CORPORATE CREDIT UNION	OtherOrganizationDsc
Formation	1951	FormationYr
Legal Domicile State	AL	LegalDomicileStateCd
Activity Or Mission	TO PROVIDE THRIFT OPPORTUNITIES AND LOW COST LOANS TO MEMBERS.	ActivityOrMissionDesc
Voting Members Governing Body	7	VotingMembersGoverningBodyCnt
Voting Members Independent	7	VotingMembersIndependentCnt
Total Employee	150	TotalEmployeeCnt
Total Volunteers	9	TotalVolunteersCnt
Total Gross UBI	$82,600	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$15,698,354	PYProgramServiceRevenueAmt
CY Program Service Revenue	$17,228,830	CYProgramServiceRevenueAmt
PY Investment Income	$3,327,838	PYInvestmentIncomeAmt
CY Investment Income	$4,105,629	CYInvestmentIncomeAmt
PY Other Revenue	$7,713,146	PYOtherRevenueAmt
CY Other Revenue	$7,782,705	CYOtherRevenueAmt
PY Total Revenue	$26,739,338	PYTotalRevenueAmt
CY Total Revenue	$29,117,164	CYTotalRevenueAmt
PY Grants And Similar Paid	$11,000	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$10,000	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$7,325,168	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$8,114,977	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$16,814,337	PYOtherExpensesAmt
CY Other Expenses	$18,023,265	CYOtherExpensesAmt
PY Total Expenses	$24,150,505	PYTotalExpensesAmt
CY Total Expenses	$26,148,242	CYTotalExpensesAmt
PY Revenues Less Expenses	$2,588,833	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$2,968,922	CYRevenuesLessExpensesAmt
Total Assets BOY	$440,950,957	TotalAssetsBOYAmt
Total Assets EOY	$452,065,537	TotalAssetsEOYAmt
Total Liabilities BOY	$415,184,560	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$418,449,914	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$25,766,397	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$33,615,623	NetAssetsOrFundBalancesEOYAmt
Info In Schedule O Part III	Yes (X)	InfoInScheduleOPartIIIInd
Mission	TO ENCOURAGE THRIFT, CREATE A SOURCE OF CREDIT AT FAIR AND REASONABLE RATES OF INTEREST, AND PROVIDE OPPORTUNITIES FOR ITS MEMBERS TO CONTROL THEIR OWN MONEY IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITION.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	ALABAMA BANKING CODE, SECTION 5-17-1, STATES THAT A CREDIT UNION IS A COOPERATIVE SOCIETY INCORPORATED FOR THE TWOFOLD PURPOSE OF PROMOTING THRIFT AMONG ITS MEMBERS AND CREATING A SOURCE OF CREDIT FOR THEM AT LEGITIMATE RATES OF INTEREST. WINSOUTH CREDIT UNION IS A VOLUNTARY, COOPERATIVE, NONPROFIT FINANCIAL INSTITUION. ITS PRIMARY PURPOSE IS TO ENCOURAGE THRIFT, CREATE A SOURCE OF CREDIT AT FAIR AND REASONABLE RATES OF INTEREST, AND PROVIDE OPPORTUNITIES FOR ITS MEMBERS TO CONTROL THEIR OWN MONEY IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITION. THE CREDIT UNION STRIVES TO ACHIEVE ITS PURPOSE BY CONDUCTING ANY BUSINESS, ENGAGING IN ANY ACTIVITY, AND PROVIDING ANY SERVICE THAT MAY BENEFIT ITS MEMBERS, SUBJECT TO THE ALABAMA CREDIT UNION ACT AND THE RULES AND REGULATIONS ADOPTED THEREUNDER BY THE ALABAMA CREDIT UNION ADMINISTRATION. AS OF DECEMBER 31, 2025 THE CREDIT UNION PROVIDED SERVICES TO 35,968 MEMBERS.	Desc
Described In Section501c3	0	DescribedInSection501c3Ind
Schedule B Required	0	ScheduleBRequiredInd
Political Campaign Acty	0	PoliticalCampaignActyInd
Subject To Proxy Tax	0	SubjectToProxyTaxInd
Donor Advised Fund	0	DonorAdvisedFundInd
Conservation Easements	0	ConservationEasementsInd
Collections Of Art	0	CollectionsOfArtInd
Credit Counseling	0	CreditCounselingInd
Donor Rstr Or Quasi Endowments	0	DonorRstrOrQuasiEndowmentsInd
Report Land Building Equipment	Yes (1)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	0	ReportInvestmentsOtherSecInd
Report Program Related Invst	0	ReportProgramRelatedInvstInd
Report Other Assets	0	ReportOtherAssetsInd
Report Other Liabilities	Yes (1)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	Yes (1)	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	0	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	0	ConsolidatedAuditFinclStmtInd
School Operating	0	SchoolOperatingInd
Foreign Office	0	ForeignOfficeInd
Foreign Activities	0	ForeignActivitiesInd
More Than5000 K To Org	0	MoreThan5000KToOrgInd
More Than5000 K To Individuals	0	MoreThan5000KToIndividualsInd
Professional Fundraising	0	ProfessionalFundraisingInd
Fundraising Activities	0	FundraisingActivitiesInd
Gaming Activities	0	GamingActivitiesInd
Operate Hospital	0	OperateHospitalInd
Grants To Organizations	0	GrantsToOrganizationsInd
Grants To Individuals	Yes (1)	GrantsToIndividualsInd
Schedule J Required	Yes (1)	ScheduleJRequiredInd
Tax Exempt Bonds	0	TaxExemptBondsInd
Loan Outstanding	0	LoanOutstandingInd
Grant To Related Person	0	GrantToRelatedPersonInd
Business Rln With Org Mem	0	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	0	BusinessRlnWithFamMemInd
Business Rln With35 Ctrl Ent	0	BusinessRlnWith35CtrlEntInd
Deductible Non Cash Contri	0	DeductibleNonCashContriInd
Deductible Art Contribution	0	DeductibleArtContributionInd
Terminate Operations	0	TerminateOperationsInd
Partial Liquidation	0	PartialLiquidationInd
Disregarded Entity	0	DisregardedEntityInd
Related Entity	0	RelatedEntityInd
Related Organization Ctrl Ent	0	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	0	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (1)	ScheduleORequiredInd
IRP Document	7534	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	150	EmployeeCnt
Employment Tax Returns Filed	Yes (1)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	Yes (1)	UnrelatedBusIncmOverLimitInd
Form990 T Filed	Yes (1)	Form990TFiledInd
Foreign Financial Account	0	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	0	ProhibitedTaxShelterTransInd
Taxable Party Notification	0	TaxablePartyNotificationInd
Nondeductible Contributions	0	NondeductibleContributionsInd
Quid Pro Quo Contributions	0	QuidProQuoContributionsInd
Form8282 Property Disposed Of	0	Form8282PropertyDisposedOfInd
Indoor Tanning Services	0	IndoorTanningServicesInd
Subj To Tax Rmnrtn Ex Prcht Pymt	0	SubjToTaxRmnrtnExPrchtPymtInd
Subject To Excs Tax Net Invst Inc	0	SubjectToExcsTaxNetInvstIncInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	7	GoverningBodyVotingMembersCnt
Independent Voting Member	7	IndependentVotingMemberCnt
Family Or Business Rln	0	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	0	DelegationOfMgmtDutiesInd
Change To Org Documents	0	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	0	MaterialDiversionOrMisuseInd
Members Or Stockholders	Yes (1)	MembersOrStockholdersInd
Election Of Board Members	Yes (1)	ElectionOfBoardMembersInd
Decisions Subject To Approva	0	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (1)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (1)	MinutesOfCommitteesInd
Officer Mailing Address	0	OfficerMailingAddressInd
Local Chapters	Yes (1)	LocalChaptersInd
Policies Reference Chapters	Yes (1)	PoliciesReferenceChaptersInd
Form990 Provided To Gvrn Body	Yes (1)	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (1)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (1)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (1)	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (1)	WhistleblowerPolicyInd
Document Retention Policy	Yes (1)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (1)	CompensationProcessCEOInd
Compensation Process Other	Yes (1)	CompensationProcessOtherInd
Investment In Joint Venture	0	InvestmentInJointVentureInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Field	Value	IRS element (for citing)
Person	TRACI HIGGINS	PersonNm
Phone	2564393117	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	110 SOUTH 26TH STREET	AddressLine1Txt
City	GADSDEN	CityNm
State Abbreviation	AL	StateAbbreviationCd
ZIP	359041935	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (16 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	OfficerOfficerInd	Highest Compensated EmployeeHighestCompensatedEmployeeInd
GARY KENNEDY
BOARD MEMBER THROUGH MAY 2025	2.00	Yes (X)	$0	$0	$0
DON SMITH
CHAIRMAN	2.00	Yes (X)	$0	$0	$0
RONALD PATRICK
VICE CHAIRMAN	2.00	Yes (X)	$0	$0	$0
CORY SKELTON
SECRETARY	2.00	Yes (X)	$0	$0	$0
BRETT POSEY
TREASURY	2.00	Yes (X)	$0	$0	$0
CHAD HOUZE
BOARD MEMBER	2.00	Yes (X)	$0	$0	$0
RYAN FRAZIER
BOARD MEMBER	2.00	Yes (X)	$0	$0	$0
DAVID EUBANKS
CEO/PRESIDENT	40.00		$298,153	$0	$22,032	Yes (X)
NATHAN CLOUGH
COO	40.00		$172,740	$0	$25,081	Yes (X)
KELLY WHISENANT
COMPTROLLER	40.00		$145,088	$0	$16,363	Yes (X)
TRACI HIGGINS
CFO	40.00		$155,704	$0	$24,631	Yes (X)
MARK SHADDIX
DIRECTOR OF LENDING	40.00		$144,265	$0	$24,866	Yes (X)
RACHAEL LEE
DIRECTOR OF HR	40.00		$131,678	$0	$21,081	Yes (X)
GIORGIO TORREGROSA
CTO	40.00		$96,421	$0	$20,836	Yes (X)
KEITH SILLS
CONSUMER LENDING MANAGER	40.00		$111,042	$0	$10,644		Yes (X)
SCOTTY WILSON
COMM/MORTGAGE MANAGER	40.00		$110,764	$0	$10,714		Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$1,365,855	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$176,248	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	8	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	0	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (1)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (5 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
FISERV
255 FISERV DRIVE	BROOKFIELD	WI	53045	DEBIT CARD SERVICES	$1,147,351
JACK HENRY
8985 BALBOA AVENUE	SAN DIEGO	CA	921231507	DATA PROCESSOR	$757,142
VISA USA
900 METRO CENTER BLVD	FOSTER CITY	CA	94404	DEBIT CARD SERVICES	$514,886
DIGITAL FIRST HOLDINGS
864 SPRING ST NW	ATLANTA	GA	30308	ONLINE BANKING SERVICE	$439,317
SPECTRUM REACH
1633 BROADWAY	NEW YORK	NY	10019	ADVERTISING	$276,271

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	12	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp

Field	Value	IRS element (for citing)
Desc	INTEREST ON LOANS	Desc
Business	522100	BusinessCd
Total Revenue Column	$17,228,830	TotalRevenueColumnAmt
Related Or Exempt Func Income	$17,228,830	RelatedOrExemptFuncIncomeAmt

Field	Value	IRS element (for citing)
Total Program Service Revenue	$17,228,830	TotalProgramServiceRevenueAmt

Incm From Invest Bond Proceeds IncmFromInvestBondProceedsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$4,277,123	TotalRevenueColumnAmt
Related Or Exempt Func Income	$4,277,123	RelatedOrExemptFuncIncomeAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Other	$617,100	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Other	$788,594	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Other	-$171,494	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	-$171,494	TotalRevenueColumnAmt
Related Or Exempt Func Income	-$171,494	RelatedOrExemptFuncIncomeAmt

Other Revenue Misc OtherRevenueMiscGrp (3 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
SERVICE FEES & MISC INCOME	522100	$3,891,250	$3,808,650	$82,600
INTERCHANGE INCOME	522100	$3,440,734	$3,440,734
OTHER INCOME	522100	$450,721	$450,721

Field	Value	IRS element (for citing)
Other Revenue Total	$7,782,705	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$29,117,164	TotalRevenueColumnAmt
Related Or Exempt Func Income	$29,034,564	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$82,600	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Grants To Domestic Individuals GrantsToDomesticIndividualsGrp

Field	Value	IRS element (for citing)
Total	$10,000	TotalAmt
Program Services	$10,000	ProgramServicesAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$1,298,939	TotalAmt
Program Services	$1,298,939	ProgramServicesAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$4,445,295	TotalAmt
Program Services	$4,445,295	ProgramServicesAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$1,945,523	TotalAmt
Program Services	$1,945,523	ProgramServicesAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$425,220	TotalAmt
Program Services	$425,220	ProgramServicesAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$233,216	TotalAmt
Program Services	$233,216	ProgramServicesAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$199,053	TotalAmt
Program Services	$199,053	ProgramServicesAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$643,564	TotalAmt
Program Services	$643,564	ProgramServicesAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$841,932	TotalAmt
Program Services	$841,932	ProgramServicesAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$569,197	TotalAmt
Program Services	$569,197	ProgramServicesAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$404,745	TotalAmt
Program Services	$404,745	ProgramServicesAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$267,653	TotalAmt
Program Services	$267,653	ProgramServicesAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$24,500	TotalAmt
Program Services	$24,500	ProgramServicesAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$6,954,723	TotalAmt
Program Services	$6,954,723	ProgramServicesAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$374,926	TotalAmt
Program Services	$374,926	ProgramServicesAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$137,556	TotalAmt
Program Services	$137,556	ProgramServicesAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt	Program ServicesProgramServicesAmt
DEBIT AND CREDIT CARD E	$2,487,219	$2,487,219
LOAN SERVICING EXPENSE	$2,074,412	$2,074,412
PROVISION FOR LOAN LOSS	$1,535,000	$1,535,000
OTHER PROCESSING EXPENS	$550,379	$550,379

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$725,190	TotalAmt
Program Services	$725,190	ProgramServicesAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$26,148,242	TotalAmt
Program Services	$26,148,242	ProgramServicesAmt
Management And General	$0	ManagementAndGeneralAmt
Fundraising	$0	FundraisingAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$5,266,500	BOYAmt
EOY	$4,310,627	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$51,435,331	BOYAmt
EOY	$46,260,936	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$20,724	BOYAmt
EOY	$135,458	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$275,404,382	BOYAmt
EOY	$293,902,678	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$942,702	BOYAmt
EOY	$1,980,670	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$13,480,244	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$8,386,445	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$5,903,837	BOYAmt
EOY	$5,093,799	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$86,820,194	BOYAmt
EOY	$77,851,568	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$1,188,300	BOYAmt
EOY	$5,040,265	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$13,968,987	BOYAmt
EOY	$17,489,536	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$440,950,957	BOYAmt
EOY	$452,065,537	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$1,473,446	BOYAmt
EOY	$3,246,375	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$413,711,114	BOYAmt
EOY	$415,203,539	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$415,184,560	BOYAmt
EOY	$418,449,914	EOYAmt

Field	Value	IRS element (for citing)
Org Does Not Follow FASB117	Yes (X)	OrgDoesNotFollowFASB117Ind

Cap Stk Tr Prin Current Funds CapStkTrPrinCurrentFundsGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$25,766,397	BOYAmt
EOY	$33,615,623	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$25,766,397	BOYAmt
EOY	$33,615,623	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$440,950,957	BOYAmt
EOY	$452,065,537	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$2,968,922	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$4,743,500	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$136,804	OtherChangesInNetAssetsAmt
Info In Schedule O Part XII	Yes (X)	InfoInScheduleOPartXIIInd
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	0	AccountantCompileOrReviewInd
FS Audited	Yes (1)	FSAuditedInd

FS Audited Basis FSAuditedBasisGrp

Field	Value	IRS element (for citing)
Separate Basis Fincl Stmt	Yes (X)	SeparateBasisFinclStmtInd

Field	Value	IRS element (for citing)
Audit Committee	Yes (1)	AuditCommitteeInd
Federal Grant Audit Required	0	FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,857,825	OtherCostOrOtherBasisAmt
Book Value	$1,857,825	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$7,807,675	OtherCostOrOtherBasisAmt
Depreciation	$4,728,684	DepreciationAmt
Book Value	$3,078,991	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$3,814,744	OtherCostOrOtherBasisAmt
Depreciation	$3,657,761	DepreciationAmt
Book Value	$156,983	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$5,093,799	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	MEMBER DEPOSITS	Desc
Amt	$415,203,539	Amt

Field	Value	IRS element (for citing)
Total Liability	$415,203,539	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART X, LINE 2:	FormAndLineReferenceDesc
Explanation	THE CREDIT UNION ACCOUNTS FOR UNCERTAIN TAX POSITIONS, IF ANY, IN ACCORDANCE WITH FASB ACCOUNTING STANDARDS CODIFICATION SECTION 740. IN ACCORDANCE WITH THESE PROFESSIONAL STANDARDS, THE CREDIT UNION RECOGNIZES TAX POSITIONS ONLY TO THE EXTENT THAT MANAGEMENT BELIEVES IT IS "MORE LIKELY THAN NOT" THAT ITS TAX POSITIONS WILL BE SUSTAINED UPON IRS EXAMINATION. MANAGEMENT BELIEVES THAT IT HAS NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR EITHER RECOGNITION OR DISCLOSURE IN THE FINANCIAL STATEMENTS FOR THE YEARS ENDED MARCH 31, 2026 AND 2025. THE CREDIT UNION BELIEVES THAT ITS INCOME TAX FILING POSITIONS WILL BE SUSTAINED UPON EXAMINATION AND DOES NOT ANTICIPATE ANY ADJUSTMENTS THAT WOULD RESULT IN A MATERIAL ADVERSE EFFECT ON THE CREDIT UNION'S FINANCIAL CONDITION, INCOME STATEMENT, OR CASH FLOWS. ACCORDINGLY, THE CREDIT UNION HAS NOT RECORDED ANY RESERVES, OR RELATED ACCRUALS FOR INTEREST AND PENALTIES FOR UNCERTAIN INCOME TAX POSITIONS AT MARCH 31, 2026. THE CREDIT UNION IS SUBJECT TO ROUTINE AUDITS BY TAXING JURISDICTIONS; HOWEVER, THERE ARE CURRENTLY NO AUDITS FOR ANY TAX PERIODS IN PROGRESS. THE CREDIT UNION BELIEVES IT IS NO LONGER SUBJECT TO INCOME TAX EXAMINATIONS FOR THE YEARS BEFORE 2022.	ExplanationTxt

Schedule I IRS990ScheduleI

Field	Value	IRS element (for citing)
Grant Records Maintained	Yes (1)	GrantRecordsMaintainedInd

Grants Other Asst To Indiv In US GrantsOtherAsstToIndivInUSGrp

Field	Value	IRS element (for citing)
Grant Type	SCHOLARSHIPS	GrantTypeTxt
Recipient	10	RecipientCnt
Cash Grant	$10,000	CashGrantAmt
Non Cash Assistance	$0	NonCashAssistanceAmt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I, LINE 2	FormAndLineReferenceDesc
Explanation	GRADUATING HIGH SCHOOL SENIORS SUBMIT SCHOLARSHIP APPLICATIONS. A COLLEGE PROFESSOR THE CHOOSES 10 DESERVING SENIORS TO WIN A $1,000.00 SCHOLARSHIP.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Travel For Companions	Yes (X)	TravelForCompanionsInd
Written Policy Ref T And E Expnss	Yes (1)	WrittenPolicyRefTAndEExpnssInd
Substantiation Required	Yes (1)	SubstantiationRequiredInd
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	0	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	0	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	0	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (6 entries)

TitleTitleTxt	Base Compensation Filing OrgBaseCompensationFilingOrgAmt	Compensation Based On Rltd OrgsCompensationBasedOnRltdOrgsAmt	Bonus Filing OrganizationBonusFilingOrganizationAmount	Bonus Related OrganizationsBonusRelatedOrganizationsAmt	Other Compensation Filing OrgOtherCompensationFilingOrgAmt	Other Compensation Rltd OrgsOtherCompensationRltdOrgsAmt	Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt	Deferred Comp Rltd OrgsDeferredCompRltdOrgsAmt	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt	Nontaxable Benefits Rltd OrgsNontaxableBenefitsRltdOrgsAmt	Total Compensation Filing OrgTotalCompensationFilingOrgAmt	Total Compensation Rltd OrgsTotalCompensationRltdOrgsAmt	Comp Report Prior990 Filing OrgCompReportPrior990FilingOrgAmt	Comp Report Prior990 Rltd OrgsCompReportPrior990RltdOrgsAmt
DAVID EUBANKS
CEO/PRESIDENT	$298,153	$0	$0	$0	$0	$0	$0	$0	$22,032	$0	$320,185	$0	$0	$0
NATHAN CLOUGH
COO	$172,740	$0	$0	$0	$0	$0	$0	$0	$25,081	$0	$197,821	$0	$0	$0
TRACI HIGGINS
CFO	$155,704	$0	$0	$0	$0	$0	$0	$0	$24,631	$0	$180,335	$0	$0	$0
MARK SHADDIX
DIRECTOR OF LENDING	$144,265	$0	$0	$0	$0	$0	$0	$0	$24,866	$0	$169,131	$0	$0	$0
KELLY WHISENANT
COMPTROLLER	$145,088	$0	$0	$0	$0	$0	$0	$0	$16,363	$0	$161,451	$0	$0	$0
RACHAEL LEE
DIRECTOR OF HR	$131,678	$0	$0	$0	$0	$0	$0	$0	$21,081	$0	$152,759	$0	$0	$0

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (11 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 6	THE CREDIT UNION IS OWNED BY ITS MEMBERS.
FORM 990, PART VI, SECTION A, LINE 7A	THE MEMBERS OF THE CREDIT UNION ELECT BOARD MEMBERS AT THEIR ANNUAL MEETING. THE MEMBERS OF THE CREDIT UNION ARE INFORMED OF THE BOARD POSITIONS WHICH ARE UP FOR ELECTION AND THE NOMINEES FOR EACH VACANT POSITION BY THE NOMINATING COMMITTEE. THE MEMBERS THEN PROCEED TO VOTE TO FILL THE OPEN BOARD POSITIONS. IN ORDER FOR A BOARD MEMBER TO BE ELECTED, A QUORUM MUST BE PRESENT AT THE MEETING.
FORM 990, PART VI, SECTION B, LINE 11B	UPON COMPLETION OF THE CREDIT UNION'S FORM 990, THE RETURN IS PRESENTED TO THE BOARD AT A BOARD OF DIRECTORS MEETING. AT THE MEETING, THE BOARD MEMBERS REVIEW THE TAX RETURN AND ARE FREE TO ASK ANY QUESTIONS OR ENGAGE IN DISCUSSION REGARDING ANY TOPIC COVERED IN THE RETURN. ONCE THE GOVERNING BODY HAS REVIEWED AND APPROVED THE FORM 990, THE RETURN IS FILED WITH THE INTERNAL REVENUE SERVICE.
FORM 990, PART VI, SECTION B, LINE 12C	CREDIT UNION STAFF REVIEW THE CONFLICT OF INTEREST POLICY EACH YEAR WITH THE CREDIT UNION'S MANAGER. AT THIS MEETING, THE STAFF MEMBERS ARE FREE TO ASK ANY QUESTIONS REGARDING THIS POLICY. THE CREDIT UNION MANAGER CONSISTENTLY MONITORS THE STAFF TO MAKE SURE EVERYONE IS IN COMPLIANCE WITH THE POLICY. THE CONFLICT OF INTEREST POLICY IS REVIEWED WITH THE BOARD ANNUALLY. IT IS THE RESPONSIBILITY OF THE STAFF OR BOARD OF DIRECTORS TO IMMEDIATELY NOTIFY THE CREDIT UNION MANAGERS OF ANY POTENTIAL CONFLICT OF INTEREST.
FORM 990, PART VI, SECTION B, LINE 15	COMPENSATION FOR OFFICERS, KEY EMPLOYEES, & TOP MANAGEMENT OFFICIALS IS DETERMINED ON A YEARLY BASIS. BEFORE COMPENSATION IS SET, THE BOARD OF DIRECTORS EXAMINES THE TYPES AND AMOUNT OF WORK PERFORMED BY THE EMPLOYEES WHILE TAKING INTO ACCOUNT THE CREDIT UNION'S PRIOR YEAR INCOME AND THE CUNA SALARY SURVEY. THE BOARD APPROVES THE CEO'S SALARY, AND THE CEO APPROVES ALL OTHER EMPLOYEES.
FORM 990, PART VI, SECTION C, LINE 19	THE CREDIT UNION MAKES AVAILABLE ITS FINANCIAL STATEMENTS VIA THE ASI WEBSITE WHICH CAN BE FOUND AT WWW.AMERICANSHARE.COM. OTHER DOCUMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST.
FORM 990, PART XI, LINE 9:	PENSION ADJUSTMENT 136,804.
FORM 990, PART XII, FINANCIAL STATEMENTS AND REPORTING, LINE 2B:	ON AN ANNUAL BASIS, THE ALABAMA CREDIT UNION ADMINISTRATION AND/OR THE NATIONAL CREDIT UNION ADMINSTRATION PERFORM A REGULATORY EXAMINATION OF THE FINANCIAL STATEMENTS AND SAFETY AND SOUNDNESS OF THE CREDIT UNION. ADDITIONALLY, THE CREDIT UNION'S FINANCIAL STATEMENTS ARE AUDITED BY AN INDEPENDENT ACCOUNTANT AS OF MARCH 31 OF EACH YEAR.
FORM 990, PART XII, FINANCIAL STATEMENTS AND REPORTING, LINE 2C:	THE CREDIT UNION HAS A SUPERVISORY COMMITTEE THAT IS RESPONSIBLE FOR ENSURING THE BOARD OF DIRECTORS AND MANAGEMENT OF THE CREDIT UNION MEET THE REQUIRED FINANCIAL REPORTING OBJECTIVES AND ESTABLISH PRACTICES AND PROCEDURES SUFFICIENT TO SAFEGUARD MEMBERS' ASSETS. THIS INCLUDES OVERSEEING THE ANNUAL FINANCIAL STATEMENT AUDIT AND THE SELECTION OF THE INDEPENDENT ACCOUNTANT.
SECTION 1.263(A)-1(F) DE MINIMIS SAFE HARBOR ELECTION	WINSOUTH CREDIT UNION 110 SOUTH 26TH STREET GADSDEN, AL 35904 EMPLOYER IDENTIFICATION NUMBER: 63-0371386 FOR THE YEAR ENDING DECEMBER 31, 2025 WINSOUTH CREDIT UNION IS MAKING THE DE MINIMIS SAFE HARBOR ELECTION UNDER REG. SEC. 1.263(A)-1(F).
SECTION 1.263(A)-3(N) ELECTION	WINSOUTH CREDIT UNION 110 SOUTH 26TH STREET GADSDEN, AL 35904 EMPLOYER IDENTIFICATION NUMBER: 63-0371386 FOR THE YEAR ENDING DECEMBER 31, 2025 WINSOUTH CREDIT UNION IS MAKING THE ELECTION TO CAPITALIZE REPAIR AND MAINTENANCE COSTS UNDER REG. SEC. 1.263(A)-3(N).