WNC Community Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.1 has resulted in Very Weak (0.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.5 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 15.3 and a net worth ratio of 15.5. A current level of 2.1 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (9.8).
Asset Mix:
Home mtgs (46%), securities (31%), consumer loans (6%), other (17%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
27 Kent Lane
Waynesville, NC 28786
Waynesville, NC 28786
Phone Number
(828) 456-1840
NCUA Charter Number
Website
Largest Competitors
Raleigh, NC
Winston-Salem, NC
Raleigh, NC
Raleigh, NC
Waynesville, NC