WNC Community CU
Waynesville, NC · Charter 66854 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$96.0MAssets
$66.4MLoans
$78.9MShares
$16.3MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 77% of credit unions under $1B in assets (rank 390 of 1683).
- Widest gap: net interest margin trails 91% of credit unions under $1B in assets (rank 1532 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.70%
Rank 888 of 1,683
Net Interest Margin
2.83%
Rank 1,532 of 1,683
Efficiency Ratio
77.61%
Rank 811 of 1,682
Equity / Assets
17.03%
Rank 390 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.70% | 0.35% | 0.74% | 1.18% | Beats 47% | 888 / 1,683 | | |
| Return on Equity | 4.11% | 2.67% | 5.89% | 8.74% | Beats 36% | 1,076 / 1,681 | | |
| Net Interest Margin | 2.83% | 3.31% | 3.82% | 4.32% | Beats 9% | 1,532 / 1,683 | | |
| Efficiency Ratio | 77.61% | 68.91% | 78.20% | 86.93% | Beats 52% | 811 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.28% | 0.26% | 0.65% | 1.29% | Beats 74% | 443 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 17.03% | 10.44% | 12.89% | 16.53% | Beats 77% | 390 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 17.03% | 10.44% | 12.89% | 16.53% | Beats 77% | 390 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.13% | 52.61% | 69.38% | 83.50% | 76th pctl | 400 / 1,683 | | |
| Loans / Assets | 69.21% | 44.71% | 59.18% | 70.72% | 72nd pctl | 473 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |