| Metric | Wnc Community CU | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.1% | +1.3% | +2.8 pts |
| Share growth (YoY) | +3.9% | +0.9% | +3.0 pts |
| Loan growth (YoY) | +13.1% | -2.6% | +15.7 pts |
| ROA | 0.70% | 0.65% | +0.1 pts |
| ROE | 4.1% | 4.4% | -0.3 pts |
ROA ranks in the 53rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $96.0M | $78.9M | $66.4M | $16.3M | $336K | 0.70% | 2.83% | 0.28% | 4,052 |
| Q1 2026 | $94.2M | $77.5M | $64.4M | $16.1M | $137K | 0.58% | 2.78% | 0.16% | 4,038 |
| Q4 2025 | $95.1M | $78.6M | $61.5M | $16.0M | $551K | 0.58% | 2.56% | 0.37% | 4,003 |
| Q3 2025 | $94.3M | $78.0M | $60.0M | $16.0M | $384K | 0.54% | 2.51% | 0.44% | 4,009 |
| Q2 2025 | $92.2M | $76.0M | $58.7M | $15.8M | $243K | 0.53% | 2.50% | 0.57% | 4,006 |
| Q1 2025 | $92.0M | $75.6M | $57.5M | $15.7M | $109K | 0.47% | 2.41% | 0.44% | 3,998 |
| Q4 2024 | $90.7M | $74.9M | $56.1M | $15.6M | $279K | 0.31% | 2.15% | 0.55% | 3,964 |
| Q3 2024 | $93.8M | $75.6M | $55.7M | $15.6M | $182K | 0.26% | 2.01% | 0.36% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Wnc Community CU | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.70% | 0.65% | 53rd | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 4.4% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.83% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,395 |
| Q2 2024 | $97.9M | $75.5M | $55.9M | $15.5M | $133K | 0.27% | 1.93% | 0.18% | 4,001 |
Loan mix (Q2 2026): real estate $58.9M · commercial $0 · consumer $6.0M · securities $14.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.6% | 80.6% | 42nd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Wnc Community CU | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Wnc Community CU | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Wnc Community CU | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Wnc Community CU | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Wnc Community CU | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: Buncombe, NC, ranked 23rd with 0.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Buncombe, NC | 1 | $39.5M* | 0.39% | 23rd |
| Haywood, NC | 1 | $39.5M* | 2.81% | 9th |
North Carolina: 105th with 0.01% · Asheville metro: 24th, 0.28% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 2 · 2025 2 · 2026 2