WNC COMMUNITY CU
State-Chartered • Waynesville, North Carolina • Est. 1946
Quick Facts
- Charter Number
- #66854
- Type
- State-Chartered
- Established
- 1946
- Headquarters
- Waynesville, North Carolina 28786-6099
- Address
- 27 Kent Ln
- Branches
- 2
- Members
- 4,003
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
4,003 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | WNC COMMUNITY CU |
|---|---|
| Total Assets | $95.1M |
| Members | 4,003 |
| Loans Outstanding | $61.5M |
| Shares & Deposits | $78.6M |
| Net Worth | $16.0M |
| Net Worth Ratio | 16.82% |
| Loan-to-Share Ratio | 78.3% |
| Delinquency Rate | 0.37% |
| Net Income | +$590,875 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations
WNC Community CU
Main Office27 Kent Ln
Waynesville, NC 28786-6099
Oteen VA FCU
1100 Tunnel Rd
Asheville, NC 28805
Who Can Join WNC COMMUNITY CU?
Membership Type: Community
Membership eligibility for WNC COMMUNITY CU may vary. Contact the credit union directly to confirm qualification requirements.
Contact WNC COMMUNITY CU directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in North Carolina
Browse all federally insured credit unions in North Carolina, ranked by assets, members, and financial health score.
View North Carolina RankingsFrequently Asked Questions
Yes. WNC COMMUNITY CU is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, WNC COMMUNITY CU has 4,003 members and a potential membership field of 99,000 people.
WNC COMMUNITY CU's net worth ratio is 16.82% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 16.8%, WNC COMMUNITY CU meets this threshold.
WNC COMMUNITY CU operates 2 branch locations. The main office is located at 27 Kent Ln, Waynesville, NC 28786-6099.
WNC COMMUNITY CU was established in 1946. It is a state-chartered credit union chartered under charter number 66854. The institution has been serving members for 80 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or WNC COMMUNITY CU. All financial data is for informational purposes only.