BlastPoint's Credit Union Scorecard
WNC COMMUNITY CU
Charter #66854 · NC
WNC COMMUNITY CU has 8 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 18.1% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 1.9% in tier
- + Loan-to-Member Ratio (LMR): Top 1.9% in tier
- + Member Growth Rate: Top 2.0% in tier
- + Total Loans: Top 2.1% in tier
- + Total Assets: Top 2.1% in tier
- + Total Deposits: Top 3.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.13% below tier average
- - First Mortgage Concentration (%): Bottom 1.0% in tier
- - AMR Growth Rate: Bottom 6.8% in tier
- - Net Interest Margin (NIM): Bottom 8.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,009
+18.1% YoY+0.1% QoQ
|
+1.4K |
2,625
-2.2% YoY
|
91,841
+6.6% YoY
|
33,089
+6.1% YoY
|
79% |
| Assets |
$94.3M
+0.5% YoY+2.3% QoQ
|
+$64.4M |
$29.9M
+1.1% YoY
|
$1.5B
+5.5% YoY
|
$547.7M
+7.8% YoY
|
Top 2.2% in tier |
| Loans |
$60.0M
+7.8% YoY+2.1% QoQ
|
+$44.2M |
$15.8M
-2.4% YoY
|
$1.1B
+9.9% YoY
|
$388.7M
+8.6% YoY
|
Top 2.1% in tier |
| Deposits |
$78.0M
+3.1% YoY+2.6% QoQ
|
+$52.5M |
$25.5M
+0.4% YoY
|
$1.3B
+12.1% YoY
|
$464.6M
+9.3% YoY
|
Top 3.5% in tier |
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| ROA |
0.5%
+117.1% YoY+4.0% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.4%
-19.0% YoY
|
0.7%
+273.4% YoY
|
39% |
| NIM |
2.5%
+29.0% YoY+1.3% QoQ
|
-1.4% |
3.9%
+3.8% YoY
|
4.1%
+4.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 8.1% in tier |
| Efficiency Ratio |
79.2%
-11.9% YoY-0.0% QoQ
|
-2.2% |
81.4%
-2.4% YoY
|
81.5%
-1.2% YoY
|
79.1%
-3.3% YoY
|
52% |
| Delinquency Rate |
0.4%
+20.3% YoY-23.1% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
1.5%
+2.4% YoY
|
1.2%
-0.9% YoY
|
39% |
| Loan To Share |
76.9%
+4.5% YoY-0.5% QoQ
|
+15.7% |
61.2%
-3.0% YoY
|
76.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
73% |
| AMR |
$34,409
-11.0% YoY+2.3% QoQ
|
+$20K |
$14,627
-2.7% YoY
|
$17,441
+4.0% YoY
|
$19,418
+1.3% YoY
|
Top 1.9% in tier |
| CD Concentration |
9.5%
+54.3% YoY-1.0% QoQ
|
-14.9% |
24.4%
+4.2% YoY
|
20.6%
+2.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
-2.9% YoY
|
7.9%
-2.9% YoY
|
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)