Compared with North Carolina
2 of 5
compared fees are above the median.
1 below, 2 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
35th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the North Carolina median
of 5 compared; 1 below, 2 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for Wnc Community Cu Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | NCUA 5300 call report Account 010 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Revenue | Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 115 + Account 117 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee income | Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 131 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee-income share of revenue | Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Year to date through the quarter. Median and percentile from each of 2,932 credit unions with under $300M in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the North Carolina median | Published fees above the North Carolina median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Wnc Community Cu Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 2, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 5.3% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (35th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $62K in Q2 2026, 6.9% above the same quarter a year earlier ($58K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
2 of 5 compared published fees sit above the North Carolina median; 1 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with North Carolina medians for fees published by banks and credit unions.
OD Protection Transfer
NSF / Returned Item
Stop Payment
Each amount links to the fee schedule it was read from. Medians for North Carolina, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 3.1% from Q3 2025 to Q2 2026, to $62K. Its share of revenue, 5.3%, is below the 7.2% median for credit unions with under $300M in assets.
$62K
Wnc Community Cu Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 2,932 credit unions with under $300M in assets, Q2 2026.
Wnc Community Credit Union · $96M in assets
The 25 credit unions closest in assets
Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Wnc Community Credit Union(this institution) | Waynesville, NC | $96M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Afena Federal Credit Union | Marion, IN | $98M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Bay Atlantic Federal Credit Union | Vineland, NJ | $97M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Connects Federal Credit Union | Richmond, VA | $98M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Family Advantage Federal Credit Union | Spring Hill, TN | $93M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ferguson Federal Credit Union | Monticello, MS | $94M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Choice Federal Credit Union | New Castle, PA | $95M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Class Community Federal Credit Union | West Des Moines, IA | $96M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Freedom United Federal Credit Union | Rochester, PA | $94M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Heritage USA Federal Credit Union | Midland, TX | $99M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Independent Federal Credit Union | Anderson, IN | $94M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Irco Community Federal Credit Union | Phillipsburg, NJ | $94M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Journey Federal Credit Union | Des Moines, IA | $98M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lower Columbia Longshoremen Federal Credit Union | Longview, WA | $96M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Lufthansa Emp. Federal Credit Union | Westbury, NY | $95M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Members Choice Wv Federal Credit Union | Charleston, WV | $94M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Point West Federal Credit Union | Portland, OR | $98M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Postal & Community Federal Credit Union | Saint Joseph, MO | $95M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Ridgedale Federal Credit Union | East Hanover, NJ | $98M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| St. Pius X Church Federal Credit Union | Rochester, NY | $98M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tampa Postal Federal Credit Union | Tampa, FL | $98M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tennessee Members 1St Federal Credit Union | Oak Ridge, TN | $98M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Texas Dps Federal Credit Union | Austin, TX | $98M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Torrington Municipal And Teachers Federal Credit Union | Torrington, CT | $94M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Unity Catholic Federal Credit Union | Parma, OH | $98M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Washington County Teachers Federal Credit Union | Hagerstown, MD | $96M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 17 publish this fee(out-of-network atm)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $1.50 among 17 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.
Out-of-network ATM fee in dollars, one mark per institution
Wnc Community Credit Union does not publish an out-of-network atm fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Wnc Community Cu Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $62K | +$7K | +12.7% |
| Q1 2026 | $55K | −$19K | −25.7% |
| Q4 2025 | $74K | +$10K | +15.6% |
| Q3 2025 | $64K | +$6K | +10.3% |
| Q2 2025 | $58K | +$4K | +7.4% |
| Q1 2025 | $54K | −$16K | −22.9% |
| Q4 2024 | $70K | +$18K | +34.6% |
| Q3 2024 | $52K | −$3K | −5.5% |
Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, Wnc Community Cu Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Wnc Community Cu Federal Credit Union by share.
Amounts from Wnc Community Cu Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Overdraft & NSF | |||
| Returned Items due to Non-Sufficient Funds (NSF) - per item | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft from Shares (per overdraft) (No more than three per calendar month - see Regulation D) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Check Services | |||
| Stop Payment (per check or range of checks) | $15Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Copy of a Share Draft (per copy, 2-3 days) | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Copy of a Share Draft (per copy, same day) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Deposited Items Returned - per item | $15Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Nov 2, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Wnc Community Cu Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state (June 30, 2026)
Each dot is one office.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Asheville, NC | 1 |
| Waynesville, NC | 1 |
Largest competitors nearby
Local market: Haywood county, NC, around its headquarters.
| 8 in its local market | Deposit share |
|---|---|
| First-Citizens Bank & Trust Company | 28% |
| HomeTrust Bank | 22.8% |
| Wells Fargo Bank, National Association | 21% |
| Truist Bank | 14.8% |
| United Community Bank | 13.2% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.