BlastPoint's Credit Union Scorecard
WNC COMMUNITY CU
Charter #66854 · NC
WNC COMMUNITY CU has 7 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.44% above tier average
- + Total Loans: Top 0.6% in tier
- + Loan-to-Member Ratio (LMR): Top 1.4% in tier
- + Average Member Relationship (AMR): Top 1.9% in tier
- + Total Assets: Top 2.0% in tier
- + Total Deposits: Top 3.7% in tier
- + Loan Growth Rate: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - First Mortgage Concentration (%): Bottom 0.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,038
+1.0% YoY+0.9% QoQ
|
+1.4K |
2,676
+1.6% YoY
|
91,843
+3.2% YoY
|
33,913
+5.7% YoY
|
80% |
| Assets |
$94.2M
+2.4% YoY-1.0% QoQ
|
+$64.0M |
$30.2M
+1.3% YoY
|
$1.6B
+7.7% YoY
|
$578.3M
+9.0% YoY
|
Top 2.0% in tier |
| Loans |
$64.4M
+12.1% YoY+4.7% QoQ
|
+$49.1M |
$15.3M
-2.0% YoY
|
$1.1B
+5.7% YoY
|
$402.4M
+8.7% YoY
|
Top 0.7% in tier |
| Deposits |
$77.5M
+2.5% YoY-1.4% QoQ
|
+$51.7M |
$25.8M
+0.7% YoY
|
$1.4B
+7.2% YoY
|
$494.3M
+9.1% YoY
|
Top 3.7% in tier |
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| ROA |
0.6%
+22.3% YoY+0.2% QoQ
|
+0.4% |
0.1%
-77.6% YoY
|
0.4%
+21.7% YoY
|
0.4%
-39.2% YoY
|
49% |
| NIM |
2.8%
+14.4% YoY+8.1% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
4.0%
+0.2% YoY
|
3.8%
+4.1% YoY
|
Bottom 12.9% in tier |
| Efficiency Ratio |
80.9%
+0.6% YoY+2.6% QoQ
|
-9.7% |
90.6%
+6.5% YoY
|
84.1%
+2.7% YoY
|
84.6%
+2.8% YoY
|
48% |
| Delinquency Rate |
0.2%
-63.6% YoY-56.9% QoQ
|
-1.3 |
1.5%
+3.8% YoY
|
1.3%
-24.7% YoY
|
1.2%
+3.4% YoY
|
26% |
| Loan To Share |
83.1%
+9.3% YoY+6.1% QoQ
|
+24.6% |
58.5%
-3.0% YoY
|
74.3%
+0.8% YoY
|
65.6%
-1.4% YoY
|
85% |
| AMR |
$35,151
+5.6% YoY+0.4% QoQ
|
+$20K |
$14,884
-1.7% YoY
|
$17,856
+2.9% YoY
|
$19,920
+1.6% YoY
|
Top 1.9% in tier |
| CD Concentration |
8.1%
-4.9% YoY+6.9% QoQ
|
-16.2% | 24.3% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.9% | 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)