Overview / Commentary
WNC Community Credit Union is headquartered in Waynesville and is the 28th largest credit union in the state of North Carolina. It is also the 1,910th largest credit union in the nation. It was established in 1946 and as of March of 2025, it had grown to 12 employees and 3,998 members at 2 locations. WNC Community Credit Union has an A health rating.
Field of Membership Restrictions
WNC Community Credit Union is open to those who live or work in Haywood County or Jackson County, North Carolina.
See current membership details
Health
A
Data as of Q1 2025
Learn why bank health mattersAdditional 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
| Overall | |
|---|---|
| NCUA # | 66854 |
| Year Chartered | 1946 |
| Employees | 12 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.48% |
| Return on Equity - YTD | 2.8% |
| Annual Interest Income | $843K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $92MM$99.6MM |
| Loans | Q1 2025vs Q1 2024 | $57.5MM$54.2MM |
| Deposits | Q1 2025vs Q1 2024 | $75.6MM$76.2MM |
| Equity Capital | Q1 2025vs Q1 2024 | $15.6MM$15.2MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $366K$379K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $255K$268K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $66K$66K |