State credit union · Waynesville, North Carolina · NCUA charter #66854
Wnc Community Cu
Health score 92/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $95.1M
- Total assets
- 4,003
- Members
- 16.8%
- Net-worth ratio
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 - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)79
- Member growth68
- Liquidity (loan-to-share)100
Weighted composite: 92/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 16.82% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 16.82% | 30% |
| Delinquency Rate | 0.37% | 25% |
| Return on Assets | 0.29% | 15% |
| Member Growth | 0.98% | 15% |
| Loan-to-Share Ratio | 78.29% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Wnc Community Cu
Headquartered in Waynesville, North Carolina, Wnc Community Cu is a state credit union with 4,003 members, $95.1M in total assets, and $61.5M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 92/100 (Excellent), driven in part by a net worth ratio of 16.82% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #66854 and reports within peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
Two more numbers round out the picture: a 0.37% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers - and a 78.29% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.29% on net income of $279K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.98%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 16.82% 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 16.82% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.