Waynesville, North Carolina · Peer group 4
Wnc Community CU
Wnc Community CU holds $94.2M in assets across 4,038 members as of Q1 2026 — about $23K of assets per member, on a charter dating to 1946. Charter number 66854, in the $50M-$100M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $94.2M |
|---|---|
| Total loans | $64.4M |
| Total shares (deposits) | $77.5M |
| Net worth | $16.1M |
| Members | 4,038 |
| Assets per member | $23K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 2.4% | |
|---|---|---|
| Loans | 12.1% | higher than 93% of its peer group |
| Deposits | 2.5% | around the 57th percentile of its peer group |
| Members | 1.0% | around the 78th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 83.1% | around the 87th percentile of its peer group |
|---|---|---|
| Net worth ratio | 17.1% | around the 82nd percentile of its peer group |
| Return on assets | 0.58% | around the 43rd percentile of its peer group |
| Delinquency ratio | 0.16% | around the 17th percentile of its peer group |
| Cash / assets | 7.7% | around the 30th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 47th percentile of its peer group |
What this page does not show
Everything above is Wnc Community CU’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within North Carolina — the comparison set a peer ratio is measured against.
- Welcome Credit Union
MORRISVILLE, NC
$93.8M · 6,330 members
- North Carolina Community Credit Union
GOLDSBORO, NC
$102.7M · 5,869 members
- Carolina Credit Union
CHERRYVILLE, NC
$84.9M · 7,435 members
- Revity Credit Union
Greensboro, NC
$82.9M · 5,866 members
- American Partners Credit Union
Reidsville, NC
$106.6M · 11,303 members
- Weyco Community Credit Union
PLYMOUTH, NC
$114.6M · 5,691 members
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