BlastPoint's Credit Union Scorecard
WNC COMMUNITY CU
Charter #66854 · NC
WNC COMMUNITY CU has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Loans: Top 1.7% in tier
- + Total Assets: Top 1.8% in tier
- + Loan-to-Member Ratio (LMR): Top 1.8% in tier
- + Average Member Relationship (AMR): Top 2.0% in tier
- + Total Deposits: Top 3.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.04% below tier average
- - First Mortgage Concentration (%): Bottom 0.9% in tier
- - Net Interest Margin (NIM): Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,003
+1.0% YoY-0.1% QoQ
|
+1.4K |
2,615
-1.9% YoY
|
91,719
+6.9% YoY
|
33,374
+5.7% YoY
|
79% |
| Assets |
$95.1M
+4.9% YoY+0.9% QoQ
|
+$65.0M |
$30.1M
+2.1% YoY
|
$1.6B
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Top 1.8% in tier |
| Loans |
$61.5M
+9.8% YoY+2.6% QoQ
|
+$45.8M |
$15.8M
-1.3% YoY
|
$1.1B
+9.8% YoY
|
$397.0M
+8.8% YoY
|
Top 1.7% in tier |
| Deposits |
$78.6M
+5.0% YoY+0.8% QoQ
|
+$52.9M |
$25.7M
+1.4% YoY
|
$1.4B
+12.2% YoY
|
$477.3M
+9.7% YoY
|
Top 3.3% in tier |
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| ROA |
0.6%
+92.1% YoY+5.9% QoQ
|
-0.0% |
0.6%
+10.8% YoY
|
0.2%
-40.7% YoY
|
0.7%
+15.9% YoY
|
44% |
| NIM |
2.6%
+21.8% YoY+1.2% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
4.1%
+4.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 9.2% in tier |
| Efficiency Ratio |
78.9%
-10.2% YoY-0.4% QoQ
|
-3.7% |
82.6%
-2.3% YoY
|
80.6%
-3.1% YoY
|
79.7%
-3.3% YoY
|
48% |
| Delinquency Rate |
0.4%
-32.1% YoY-14.3% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
2.1%
-15.0% YoY
|
1.3%
-2.1% YoY
|
35% |
| Loan To Share |
78.3%
+4.5% YoY+1.8% QoQ
|
+17.7% |
60.6%
-3.1% YoY
|
75.9%
+1.0% YoY
|
67.4%
-1.7% YoY
|
76% |
| AMR |
$35,009
+6.0% YoY+1.7% QoQ
|
+$20K |
$14,783
-1.4% YoY
|
$17,588
+4.6% YoY
|
$19,687
+2.0% YoY
|
Top 2.0% in tier |
| CD Concentration |
7.5%
+1.7% YoY-20.8% QoQ
|
-16.9% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 7.8% | 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)