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WNC Community CU

Waynesville, NC · Charter 66854

NCUA · 2 branches

Q2 2026

$96.0MAssets
$66.4MLoans
$78.9MShares
$16.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.70%, up 17 bps year over year; NIM at 2.83%.
  • Asset quality: problem loans at 0.28% of loans (-29 bps YoY).
  • Capital: net worth / assets of 17.03%, down 12 bps from a year ago.
  • Funding: loans stand at 84.13% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.70%+17 bps YoY

Net Interest Margin (YTD, annualized)

2.83%+32 bps YoY

Efficiency Ratio (YTD, annualized)

77.60%-163 bps YoY

Net Worth / Assets

17.03%-12 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.53%0.54%0.58%0.58%0.70%+17 bps
Return on Equity3.07%3.21%3.44%3.40%4.11%+104 bps
Net Interest Margin2.50%2.51%2.56%2.78%2.83%+32 bps
Efficiency Ratio79.23%79.20%78.88%80.95%77.60%-163 bps
Growth
Asset Growth (YoY)-5.83%0.49%4.89%2.42%4.07%+991 bps
Loan Growth (YoY)5.04%7.77%9.75%12.05%13.06%+802 bps
Share Growth (YoY)0.63%3.10%5.01%2.53%3.94%+332 bps
Asset Quality
Delinquent Loans / Loans0.57%0.44%0.37%0.16%0.28%-29 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital17.15%16.92%16.82%17.14%17.03%-12 bps
Net Worth / Assets17.15%16.92%16.82%17.14%17.03%-12 bps
Liquidity & Funding
Loans / Shares77.35%76.93%78.29%83.09%84.13%+678 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps