BlastPoint's Credit Union Scorecard
WNC COMMUNITY CU
Charter #66854 · NC
WNC COMMUNITY CU has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Loans: Top 0.7% in tier
- + Total Assets: Top 1.2% in tier
- + Loan-to-Member Ratio (LMR): Top 1.3% in tier
- + Average Member Relationship (AMR): Top 1.8% in tier
- + Total Deposits: Top 3.3% in tier
- + Loan Growth Rate: Top 6.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.79% below tier average
- - First Mortgage Concentration (%): Bottom 0.8% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 31 that size in North Carolina.
- Shares and deposits +3.9% year over year ($78.9M in shares and deposits).
- Membership: 4,052 members, +1.1% vs a year ago.
- Delinquency rate 0.28%.
- Return on assets 0.71%.
- Efficiency ratio 77.60% vs a 88.77% peer average.
- Loan-to-share ratio 84.13% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,052
+1.1% YoY+0.3% QoQ
|
+1.5K |
2,585
-1.7% YoY
|
91,933
+2.2% YoY
|
34,678
+6.6% YoY
|
80% |
| Assets |
$96.0M
+4.1% YoY+1.9% QoQ
|
+$65.7M |
$30.3M
+1.5% YoY
|
$1.6B
+7.2% YoY
|
$593.1M
+10.2% YoY
|
Top 1.2% in tier |
| Loans |
$66.4M
+13.1% YoY+3.1% QoQ
|
+$51.0M |
$15.5M
-1.7% YoY
|
$1.1B
+5.6% YoY
|
$418.6M
+10.1% YoY
|
Top 0.8% in tier |
| Deposits |
$78.9M
+3.9% YoY+1.8% QoQ
|
+$53.1M |
$25.8M
+1.1% YoY
|
$1.4B
+7.1% YoY
|
$504.8M
+10.3% YoY
|
Top 3.3% in tier |
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| ROA |
0.7%
+33.9% YoY+21.3% QoQ
|
-0.8% |
1.5%
+241.5% YoY
|
0.9%
+189.6% YoY
|
1.2%
+121.4% YoY
|
45% |
| NIM |
2.9%
+13.8% YoY+2.7% QoQ
|
-1.0% |
3.9%
+0.9% YoY
|
4.0%
+0.2% YoY
|
3.8%
+2.3% YoY
|
Bottom 13.4% in tier |
| Efficiency Ratio |
77.6%
-2.1% YoY-4.1% QoQ
|
-11.2% |
88.8%
-6.9% YoY
|
83.1%
+0.7% YoY
|
83.0%
-5.3% YoY
|
43% |
| Delinquency Rate |
0.3%
-50.7% YoY+73.6% QoQ
|
-1.3 |
1.5%
+2.1% YoY
|
1.5%
+12.0% YoY
|
1.3%
+2.6% YoY
|
31% |
| Loan To Share |
84.1%
+8.8% YoY+1.3% QoQ
|
+25.2% |
58.9%
-3.1% YoY
|
74.9%
+0.0% YoY
|
66.4%
-1.4% YoY
|
85% |
| AMR |
$35,876
+6.7% YoY+2.1% QoQ
|
+$21K |
$14,963
-6.8% YoY
|
$17,976
+4.0% YoY
|
$20,028
-0.9% YoY
|
Top 1.8% in tier |
| CD Concentration |
8.5%
-11.7% YoY+5.5% QoQ
|
-16.0% | 24.6% | 21.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 4.6% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)