WNC Community Credit Union

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1.35% APY

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1.15% APY

Overview / Commentary

wncccu.org

828-456-1840

27 Kent Ln
Waynesville, NC 28786-6099

WNC Community Credit Union is headquartered in Waynesville and is the 26^th largest credit union in the state of North Carolina. It is also the 1,822^nd largest credit union in the nation. It was established in 1946 and as of March of 2017, it had grown to 11 employees and 4,355 members at 1 location. WNC Community Credit Union's savings rates are 54% 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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Health

A

Data as of Q1 2017

Learn why bank health matters

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

Overall
NCUA #	66854
Year Chartered	1946
Employees	11
Primary Regulator

Profit Margin
Return on Assets - YTD	0.39%
Return on Equity - YTD	2.53%
Annual Interest Income	$574.00K

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$80.5MM$76.8MM
Loans	Q1 2017vs Q1 2016	$40.2MM$39.0MM
Deposits	Q1 2017vs Q1 2016	$67.9MM$64.7MM
Equity Capital	Q1 2017vs Q1 2016	$12.3MM$12.0MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$70.00K$93.00K
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$510.00K$291.00K
Real Estate Owned	Q1 2017vs Q1 2016	$138.00K$148.00K

Rates

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Savings

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WNC Community Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.82%	-	-	IRA Account
1.82%	-	-	Roth IRA Account
1.82%	-	-	CESA Account
0.80%	-	-	Regular Savings
0.80%	$2,500	-	Share Certificate

Locations

WNC Community Credit Union Locations
Branch Office	27 Kent Ln	Waynesville, NC 28786-6099