Sep, 30, 2025 — WNC COMMUNITY CREDIT UNION (WNCCCU) is a federally insured state chartered credit union headquartered in WAYNESVILLE, NC with 1 branch location and about $94.30 million in total assets. Opened 80 years ago in 1946, WNC COMMUNITY CREDIT UNION (WNCCCU) has about 4,009 members and employs 13 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | WNC COMMUNITY CREDIT UNION |
|---|---|
| Address: (Main Office) | 27 Kent Ln WAYNESVILLE, NC 28786-6099 |
| Phone: | (828) 456-1840 |
| Fax: | (828) 456-1877 |
| Website: | https://www.wncccu.org |
| Branches: | 1 branch locations |
| Members: | 4,009 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 66854 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1946 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $94,304,131 |
| CEO/Manager: | William L Roberts |
| Chairperson: | Bobby V Capps |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 10,483,335 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 52,287,967 |
| Unsecured Loans | 1,269,902 |
| Other Loans | 5,635,001 |
| TOTAL LOANS | 59,981,209 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -361,897 |
| Land And Building | 1,269,791 |
| Other Fixed Assets | 105,406 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 736,182 |
| All Other Assets | 50,000 |
| TOTAL ASSETS | 94,304,131 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 73,571 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 424,729 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 6,744,316 |
| Regular shares | 52,127,658 |
| All Other Shares & Deposits | 19,092,793 |
| TOTAL SHARES & DEPOSITS | 77,964,766 |
| TOTAL LIABILITIES | 78,464,371 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 15,839,760 |
| TOTAL EQUITY | 15,839,760 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 94,304,131 |
| INCOME & EXPENSE | |
| Loan Income | 2,232,007 |
| Investment Income | 458,176 |
| Other Income | 175,660 |
| Total Employee Compensation & Benefits | 773,616 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 838,141 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 39,246 |
| Cost of Funds | 914,667 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 384,050 |
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