WNC COMMUNITY CU
Charter #66854 · Waynesville, NC · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.76% sits at the 11th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.16% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 87th percentile but its structural peers at the 54th — a 33-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | WNC COMMUNITY CU | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $94.19M | 92th pct | 59th pct |
| Members | 4,038 | 29th pct | 44th pct |
| Net worth ratio | 17.14% | 82th pct | 72th pct |
| Return on average assets | 0.58% | 43th pct | 44th pct |
| Net interest margin | 2.76% | 9th pct | 11th pct |
| Cost of funds | 1.68% | 86th pct | 59th pct |
| Loan-to-share | 83.09% | 87th pct | 54th pct |
| Delinquency 60+ days | 0.16% | 17th pct | 25th pct |
| Net charge-off ratio | 0.01% | 19th pct | 26th pct |
| Loan growth YoY | 7.39% | 96th pct | 98th pct |
| Share growth YoY | -0.56% | 13th pct | 26th pct |
| Efficiency ratio | 80.95% | 53th pct | 46th pct |
structural peer set hash: d8d5965f2709ba4b94fac138d5e3173c… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.