WINSOUTH CREDIT UNION Charity Report

Public IRS 990 nonprofit record

WINSOUTH CREDIT UNION

EIN 63-0371386

What they do

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.

Before you give

Should I give to this charity?

Easy charity check

Look at where the money went

Of every $100 spent, about $100.00 was reported for mission work. Use the spending picture below and ask what results that work produced.

Plain answer: A tax form cannot prove that a charity is doing good. It can show how the charity says it spent its money—and point out questions you should ask.

Basic facts we verified

IRS warning checkNo IRS revocation warning appears in this data.

Money report from 2025The charity has a recent tax report to read.

They explain their jobThe charity tells us what it is trying to do.

They name their leaders16 people are listed in the latest report.

You can reach themThey list contact information, so you can ask questions.

Money made simple

90.53%of revenue went to mission work100.0% of expenses · Program services

$89.80spent for every $100 of revenueRevenue covered expenses this year.

$17.29in assets for every $1 spent this yearSome assets cannot be spent right away.

Ask these three easy questions

Who did you help? Ask for a recent story or report that shows real results.
What will my money do? Ask exactly what your gift will pay for.
Is this really the charity? Give only through its official website or confirmed phone number.

Pay context: The highest compensation shown in this filing is $320,185 for DAVID EUBANKS (CEO/PRESIDENT). Compare pay with organizations of similar size and complexity.

Bottom line: Do not decide from a name, mission statement, or tax status alone. Look at where the money went, then ask what changed, who was helped, and what your gift will do. YouCanGiveBack does not endorse or grade organizations.

Money

Financial picture

Tax year 2025

A plain-language look at the latest Form 990 figures available. These numbers help you ask better questions; they do not, by themselves, rate whether a charity is good or bad.

$100revenue

How each $100 of revenue was used

The large number compares each expense with revenue. The smaller number shows its share of total expenses.

Total reported revenue$12,931,274

Mission workProgram services$11,706,67990.53% of revenue100.0% of expenses

ManagementOffice and general costs0.00% of revenue0.0% of expenses

FundraisingAsking for donations0.00% of revenue0.0% of expenses

Revenue left after expensesReported annual surplus$1,224,5959.47% of revenueShown in gray on the chart

Total expenses$11,706,67990.53% of revenue

Gray means reported revenue left after expenses for this filing year. It does not necessarily mean cash sitting in a bank account.

Money in and money out

Revenue$29,117,164

Expenses$26,148,242

Annual surplus $2,968,922 Revenue was higher than expenses for this filing year.

Reported spending amounts

Mission work means the Form 990 category called program services. These are reported accounting categories—not an independent measurement of results.

Mission work (program services)$11,706,679 · 44.8% of expenses

See all reported dollar amounts

Revenue$29,117,164

Expenses$26,148,242

Assets$452,065,537

Income$29,905,758

Mission work (program services)$11,706,679

Stocks and bonds$77,851,568

Accounting fees$199,053

People

Leadership and board

Tax year 2025

Names, titles, time, and compensation below are reported by the organization on its Form 990.

People reported as paid

Person and titleCompensation

DAVID EUBANKSCEO/PRESIDENT · 40 hrs/week $320,185Base $298,153 · Other $22,032

NATHAN CLOUGHCOO · 40 hrs/week $197,821Base $172,740 · Other $25,081

TRACI HIGGINSCFO · 40 hrs/week $180,335Base $155,704 · Other $24,631

MARK SHADDIXDIRECTOR OF LENDING · 40 hrs/week $169,131Base $144,265 · Other $24,866

KELLY WHISENANTCOMPTROLLER · 40 hrs/week $161,451Base $145,088 · Other $16,363

RACHAEL LEEDIRECTOR OF HR · 40 hrs/week $152,759Base $131,678 · Other $21,081

KEITH SILLSCONSUMER LENDING MANAGER · 40 hrs/week $121,686Base $111,042 · Other $10,644

SCOTTY WILSONCOMM/MORTGAGE MANAGER · 40 hrs/week $121,478Base $110,764 · Other $10,714

GIORGIO TORREGROSACTO · 40 hrs/week $117,257Base $96,421 · Other $20,836

Compensation alone does not tell whether pay is reasonable. Consider the charity’s size, work, location, and results.

See everyone listed on the board or leadership roster (16)

DAVID EUBANKSCEO/PRESIDENT

NATHAN CLOUGHCOO

TRACI HIGGINSCFO

MARK SHADDIXDIRECTOR OF LENDING

KELLY WHISENANTCOMPTROLLER

RACHAEL LEEDIRECTOR OF HR

KEITH SILLSCONSUMER LENDING MANAGER

SCOTTY WILSONCOMM/MORTGAGE MANAGER

GIORGIO TORREGROSACTO

BRETT POSEYTREASURY

CHAD HOUZEBOARD MEMBER

CORY SKELTONSECRETARY

DON SMITHCHAIRMAN

GARY KENNEDYBOARD MEMBER THROUGH MAY 2025

RONALD PATRICKVICE CHAIRMAN

RYAN FRAZIERBOARD MEMBER

About this charity

Recognized since: January 1971
Location: 110 S 26TH ST, GADSDEN, AL 35904-1935
County: Etowah
In care of: TRACI HIGGINS
Primary officer: TRACI HIGGINS, CFO

How to reach them

WebsiteVisit the charity’s website Phone(256) 543-7302

Filing and classification

Latest tax year: 2025
Tax period began: January 1, 2025
Return type: 990
Tax preparer: BMSS LLC