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Overview / Commentary
27 Kent Ln
Waynesville, NC 28786-6099

WNC Community Credit Union is headquartered in Waynesville and is the 26th largest credit union in the state of North Carolina. It is also the 1,804th largest credit union in the nation. It was established in 1946 and as of December of 2016, it had grown to 11 employees and 4,354 members at 1 location. WNC Community Credit Union's savings rates are 54% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live or work in Haywood or Jackson Counties in North Carolina.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. WNC Community Credit Union has a relatively low asset base.

Health Grade Components

NCUA #66854
Year Chartered1946
Primary Regulator
Profit Margin
Return on Assets - YTD0.46%
Return on Equity - YTD3.01%
Annual Interest Income$2.3MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$79.9MM$77.2MM
LoansQ4 2016vs Q4 2015$39.8MM$40.5MM
DepositsQ4 2016vs Q4 2015$67.4MM$65.1MM
Equity CapitalQ4 2016vs Q4 2015$12.3MM$11.9MM
Loan Loss AllowanceQ4 2016vs Q4 2015$69.00K$111.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$1.3MM$588.00K
Real Estate OwnedQ4 2016vs Q4 2015$220.00K$148.00K
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WNC Community Credit Union Savings Account Rates

1.82%--IRA Account
1.82%--Roth IRA Account
1.82%--CESA Account
0.80%--Regular Savings
0.80%$2,500-Share Certificate

WNC Community Credit Union Locations
Branch Office27 Kent LnWaynesville, NC 28786-6099