Charter 66854 · Waynesville, NC
Wnc Community CU
Wnc Community CU is a state-chartered credit union in Waynesville, North Carolina, with $96.0 million in assets and 4,052 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 17.03%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $96.0 million
- +4.1% in a year
- Members
- 4,052
- +1.1% in a year
- Net worth ratio
- 17.03%
- Peer median 12.95%
- Loans 60+ days late
- 0.28%
- Peer median 0.67%
- Loans outstanding
- $66.4 million
- +13.1% in a year
- Shares and deposits
- $78.9 million
- +3.9% in a year
- Branches
- 1
- 14 employees
- Opened
- 1946
- North Carolina charter
How Wnc Community CU compares
NCUA groups credit unions by size; Wnc Community CU is in the group with $50 million to $100 million (573 credit unions). Its net worth ratio of 17.03% is higher than that group's median of 12.95%, and its share of loans 60 or more days past due, 0.28%, is lower than the group median of 0.67%. Loans grew 13.1% over the year to Q2 2026, against a group median of a 0.2% fall.
By assets it ranks 27 of 57 credit unions headquartered in North Carolina. See all North Carolina credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $96.0 million | 4,052 | $66.4 million | 17.03% | 0.28% |
| Q1 2026 | $94.2 million | 4,038 | $64.4 million | 17.14% | 0.16% |
| Q4 2025 | $95.1 million | 4,003 | $61.5 million | 16.82% | 0.37% |
| Q3 2025 | $94.3 million | 4,009 | $60.0 million | 16.90% | 0.44% |
| Q2 2025 | $92.2 million | 4,006 | $58.7 million | 17.13% | 0.57% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 99,000 potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 2 sites for Wnc Community CU. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- WNC Community CU (main office)
27 Kent Ln, Waynesville, NC 28786 - Oteen VA FCU
1100 Tunnel Rd, Asheville, NC 28805
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology