Side-by-side · Q2 2026 data
Welcome Federal Credit Union vs Wnc Community Credit Union
Credit union
Welcome Federal Credit Union
Morrisville, North Carolina · Under $100 million in assets
Credit union
Wnc Community Credit Union
Waynesville, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Welcome Federal Credit Union | Wnc Community Credit Union |
|---|---|---|
| TellerScore | 69 | 83 (stronger) |
| Capital cushion | 80 | 100 (stronger) |
| Loan quality | 63 | 91 (stronger) |
| Earnings | 28 | 48 (stronger) |
| Funding & liquidity | 100 (stronger) | 76 |
| Problem-loan coverage | 91 | 97 (stronger) |
| Peer percentile | 38th | 72nd |
| Total assets | $92.0M | $96.0M |
| Deposits / shares | $79.3M | $78.9M |
| Capital ratio | 13.02% | 17.03% (stronger) |
| Problem loans | 1.11% | 0.28% (stronger) |
| Net charge-offs | 0.16% | 0.02% (stronger) |
| Return on assets | 0.21% | 0.70% (stronger) |
| Loans ÷ deposits | 55.4% (stronger) | 84.1% |
| Uninsured deposits | 10.5% | 1.7% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Wnc Community Credit Union has the higher TellerScore (83 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Welcome Federal Credit Union leads on 1 and Wnc Community Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.