TellerScore

Headquartered in Waynesville, North Carolina, Wnc Community Credit Union is a federally insured state-chartered credit union with $96.0M in total assets and $78.9M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1946.

Wnc Community Credit Union has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 2,479 credit unions with under $100 million in assets. Among 57 credit unions headquartered in North Carolina, it ranks 8th. Capital cushion contributes the most (100/100, 17.03%); earnings contributes the least (48/100, 0.70%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.03%
Loan quality91/100
Loans 60+ days delinquent ÷ total loans: 0.28%
Earnings48/100
Return on assets (annualized): 0.70%
Funding & liquidity76/100
Loans ÷ shares: 84.1% · 1.7% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.55%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (80 → 83), mostly because the loan quality component improved by 10 points.

TellerScore
798284Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202482
Q3 202481
Q4 202479
Q1 202581
Q2 202580
Q3 202582
Q4 202583
Q1 202684
Q2 202683
Net worth ratio
7.00%12.07%17.14%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202415.84%
Q3 202416.58%
Q4 202417.14%
Q1 202517.03%
Q2 202517.13%
Q3 202516.90%
Q4 202516.82%
Q1 202617.14%
Q2 202617.03%
Delinquent loans (60+ days)
0.16%0.36%0.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.18%
Q3 20240.36%
Q4 20240.55%
Q1 20250.44%
Q2 20250.57%
Q3 20250.44%
Q4 20250.37%
Q1 20260.16%
Q2 20260.28%
Return on assets
0.26%0.48%0.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.27%
Q3 20240.26%
Q4 20240.31%
Q1 20250.47%
Q2 20250.53%
Q3 20250.54%
Q4 20250.58%
Q1 20260.58%
Q2 20260.70%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$96.0M17.03%0.28%0.70%84.1%
Q1 202684$94.2M17.14%0.16%0.58%83.1%
Q4 202583$95.1M16.82%0.37%0.58%78.3%
Q3 202582$94.3M16.90%0.44%0.54%76.9%
Q2 202580$92.2M17.13%0.57%0.53%77.3%
Q1 202581$92.0M17.03%0.44%0.47%76.0%
Q4 202479$90.7M17.14%0.55%0.31%74.9%
Q3 202481$93.8M16.58%0.36%0.26%73.6%
Q2 202482$97.9M15.84%0.18%0.27%74.1%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio17.03%
65th
Problem loans0.28%
69th
Net charge-offs0.02%
66th
Return on assets0.70%
53rd
Loans to deposits84.1%
15th
Uninsured deposits1.7%
47th
Loan-loss reserves0.00%
37th
Texas ratio1.6%
58th

Similar-size credit unions in North Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Welcome Federal Credit UnionCredit union Morrisville, NC69 out of 100, Moderate$92.0M13.0%1.11%vs
Carolina Federal Credit UnionCredit union Cherryville, NC65 out of 100, Moderate$85.1M10.6%0.72%vs
Revity Federal Credit UnionCredit union Greensboro, NC36 out of 100, Low$83.0M7.9%2.12%vs
Electel CooperativeCredit union Raleigh, NC72 out of 100, Strong$68.2M12.7%0.37%vs
Lion'S Share Federal Credit UnionCredit union Salisbury, NC32 out of 100, Low$64.7M3.2%1.26%vs
Acclaim Federal Credit UnionCredit union Greensboro, NC78 out of 100, Strong$60.4M12.9%0.44%vs

Deposit insurance

Is my money safe at Wnc Community Credit Union?

Yes. Wnc Community Credit Union is a federally insured credit union (NCUA charter #66854). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 1.7% of shares and deposits ($1.4M) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 17.03%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Wnc Community Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Wnc Community Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66854
RSSD ID
293697
Primary regulator
State + NCUA
Established
1946
Headquarters
27 Kent Ln, Waynesville, NC 28786
Employees
14

Quick answers

Wnc Community Credit Union: common questions

Is Wnc Community Credit Union NCUA insured?

Yes. Wnc Community Credit Union is a federally insured credit union (NCUA charter #66854). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Wnc Community Credit Union's TellerScore?

83 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Wnc Community Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Waynesville

InstitutionScoreAssetsCapitalProblem loansCompare
Telco Community Credit UnionCredit union Candler, NC76 out of 100, Strong$429.3M12.4%1.23%vs
Jackson Savings Bank, SSBBank Sylva, NC76 out of 100, Strong$31.9M23.0%0.49%vs
Champion Credit UnionCredit union Canton, NC74 out of 100, Strong$551.9M12.2%0.24%vs
First BankBank Southern Pines, NC74 out of 100, Strong$13.0B11.5%0.49%vs
Mountain Credit UnionCredit union Waynesville, NC70 out of 100, Strong$372.4M11.2%0.67%vs
HomeTrust BankBank Asheville, NC68 out of 100, Moderate$4.4B12.9%1.40%vs