State credit union · Waynesville, North Carolina · NCUA charter #66854
Wnc Community Cu
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $95.1M
- Total assets
- 4,003
- Members
- 17.1%
- Net-worth ratio
Wnc Community Cu scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $95.1M; members 4,003; net-worth ratio 17.14%; health rank #736 of 4,374; healthier than 80th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#736 of 4,374 health · 2025Q4Wnc Community Cu · health 92/100 · $95.1M · 2025Q4
- ROA 92/100
- ASSETS 17.1%
- MEM 0.37%
- RANK 0.29%
- PHOTO $95.1M
- BOOK 4,003
- CHARTER #736/4,374
- NCUSIF First Choice
- CAMELS 66854
Call Report peers
Wnc Community Cu in the assets neighbourhood
Wnc Community Cu's $95.1M assets sit next to First Choice ($95.2M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Wnc Community Cu vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Wnc Community Cu - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #66854: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Wnc Community Cu: Call Report deltas vs peers
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +15.69 pp (78.29% vs 62.60%).
- Largest lag: Return on Assets at 0.29% vs peer 0.66% (-0.36 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Wnc Community Cu sits in North Carolina
- Health composite ranks #10 of 57 among scored North Carolina credit unions.
- By total assets, Wnc Community Cu is #27 of 57 in North Carolina.
- Member book place in North Carolina: #38 of 57.
In-state ordinals use the live credit_unions table for NC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Wnc Community Cu: 2025Q4 → 2026Q1
Wnc Community Cu: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.0% from $95.1M (2025Q4) to $94.2M (2026Q1).
- Net-worth ratio shifted +0.32 pp (16.82% → 17.14%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 17.14% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 11.9 pts
- Member Growth 10.2 pts
- Loan-to-Share Ratio 14.9 pts
Wnc Community Cu health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.14% | +3.52 pp |
| Delinquency Rate | 0.37% | -0.59 pp |
| Return on Assets | 0.29% | -0.36 pp |
| Member Growth | 0.98% | - |
| Loan-to-Share Ratio | 78.29% | +15.69 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $94.2M | - |
| 2025Q4 | $95.1M | 4,003 |
| 2024Q4 | $90.7M | 3,964 |
| 2023Q4 | $101.7M | 3,994 |
Credit Union Details
- Charter Number
- 66854
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- North Carolina
- City
- Waynesville
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Wnc Community Cu, spread across 2 cities.
| Office | City |
|---|---|
| WNC Community CU (Main Office) | Waynesville, NC |
| Oteen VA FCU | Asheville, NC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Carolina
A look at other North Carolina credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Wnc Community Cu
Cross-state asset and health neighbours for Wnc Community Cu - kept outside North Carolina; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($95.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- Wnc Community Cu ranks #736 of 4,374 nationally on financial health and #10 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- WELCOME is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with WELCOME
- Rates and health both vary by institution, not just by state -- see how North Carolina credit unions compare overall before assuming this one is typical. North Carolina state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Wnc Community Cu financially healthy?
Wnc Community Cu scores 92/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #736 of 4,374; by total assets it ranks #1,864 of 4,374 nationally (same basis as /rankings/largest); and #27 of 57 within North Carolina. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 17.14% net worth ratio and a 0.37% delinquency rate.
How does Wnc Community Cu compare to other credit unions?
PlainCU's health composite puts Wnc Community Cu at 92/100, compared to a peer group average for $50M–$100M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Wnc Community Cu?
Membership eligibility for Wnc Community Cu depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Wnc Community Cu directly for current membership requirements and application steps.
Is my money safe at Wnc Community Cu?
Federal credit unions like Wnc Community Cu are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Wnc Community Cu's net worth ratio of 17.14% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Wnc Community Cu offer compared to banks?
Credit unions like Wnc Community Cu are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Wnc Community Cu directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.