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
Call Report peers
Wnc Community Cu in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Wnc Community Cu sits in 90-94 with 747 others.
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: 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).
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.
- One place up in North Carolina, COASTAL (#9) scores 93/100, 1 point higher; one place down, CHAMPION (#11) scores 91/100, 1 point lower.
Wnc Community Cu: 2025Q4 → 2026Q1
Wnc Community Cu: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.0% from $95.1M (2025Q4) to $94.2M (2026Q1).
- Net-worth ratio shifted +0.32 pp (16.82% → 17.14%).
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
Wnc Community Cu gives up 8 points in total. Member Growth costs the most, 4.8 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Wnc Community Cu financially healthy?
Wnc Community Cu has a financial health score of 92/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #736 of 4,374 nationally on health and #10 of 57 in North Carolina. Its net worth ratio is 17.14% and its delinquency rate 0.37%.
How does Wnc Community Cu compare to other credit unions?
Wnc Community Cu scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (78.29% vs 62.60%). Its widest shortfall is return on assets (0.29% vs 0.66%).
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?
Wnc Community Cu is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.