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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 1,819th largest credit union in the nation. It was established in 1946 and as of June of 2017, it had grown to 11 employees and 4,354 members at 1 location. WNC Community Credit Union's savings rates are 73% higher than the national average, and it has an A 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 - YTD0.33%
Return on Equity - YTD2.18%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$80.8MM$77.7MM
LoansQ2 2017vs Q2 2016$40.0MM$38.8MM
DepositsQ2 2017vs Q2 2016$68.1MM$65.4MM
Equity CapitalQ2 2017vs Q2 2016$12.4MM$12.1MM
Loan Loss AllowanceQ2 2017vs Q2 2016$70.00K$79.00K
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$302.00K$423.00K
Real Estate OwnedQ2 2017vs Q2 2016$138.00K$223.00K
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WNC Community Credit Union Savings Account Rates

1.92%--IRA Account
1.92%--Roth IRA Account
1.92%--CESA Account
0.90%--Regular Savings
0.90%$2,500-Share Certificate

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