2024-05-08T15:28:16-04:00 2023-12-31 561371036 RAY BUMGARNER KINGSHILL & ASSOC PA 385 N HAYWOOD ST STE 3 WAYNESVILLE NC 28786 990 2023-01-01 566045330 STATE CHARTERED CREDIT UNION IN NC STAT 8284561840 PO BOX 1440 WAYNESVILLE NC 28786 WILLIAM L ROBERTS CEO 8284561840 2024-04-22 true WILLIAM L ROBERTS XXX-XX-XXXX true ALISA J BROWN P02030175 8284524734 2024-04-22 2023 2023-04-26 12:10:37Z WNC COMMUNITY CREDIT UNION WILLIAM L ROBERTS 12768 CRUSO ROAD CANTON NC 28716 3418199 false X WWW.WNCCCU.ORG X 1946 NC STATE CHARTERED CREDIT UNION 7 7 13 0 0 2489512 2613875 541174 804324 0 3030686 3418199 0 0 859135 905470 0 0 1333151 2020612 2192286 2926082 838400 492117 101482184 101646194 86444148 86469927 15038036 15176267 STATE CHARTERED CREDIT UNION false false 2889849 2613876 WNC COMMUNITY CREDIT UNION SERVES INDIVIDUALS WHO RESIDE OR ARE EMPLOYED IN HAYWOOD AND JACKSON COUNTIES OF NORTH CAROLINA. ONCE MEMBERS BECOME ACTIVE, THEY RETAIN THEIR RIGHT OF MEMBERSHIP EVEN IF THERE IS A CHANGE IN EMPLOYMENT OR RESIDENCE. THE CREDIT UNION IS A PFI (PRIMARY FINANCIAL INSTITUTION) FOR MANY OF THE MEMBERS. SERVICES OFFERED INCLUDE SAVINGS, CHECKING, CERTIFICATES OF DEPOSIT, IRAS AND CHRISTMAS CLUB ACCOUNTS. ALSO AVAILABLE ARE DEBIT CARDS, CASHIER'S CHECKS, DIRECT DEPOSITS, NOTARY SERVICES, ONLINE BANKING SCHOLARSHIPS, AUDIO-RESPONSE, MORTGAGES AND CONSUMER LOANS. 2889849 false false false false false false false false false true false false false true false false false false false false false false false false false false false false false false false false false false false false false false false false false false false true 1484 0 true 13 true false false false false false false false false X 7 7 false false false false true true false true true false false false true true true false true true true false X BRENTON FISHER 8284561840 PO BOX 1440 WAYNESVILLE NC 28786 WILLIAM L ROBERTS CEO 40.00 X 99952 0 6155 BRENTON FISHER CFO 40.00 X 62610 0 6213 BOBBY CAPPS BOD CHAIRMAN 1.00 X X 0 0 0 BOBBY COGDILL DIRECTOR 1.00 X 0 0 0 RANDALL CRAWFORD VICE CHAIRMA 1.00 X X 0 0 0 JANICE HALL DIRECTOR 1.00 X 0 0 0 STEVE PLEMMONS DIRECTOR 1.00 X 0 0 0 MARTHA WOODY DIRECTOR 1.00 X 0 0 0 ROGER WRIGHT SECRETARY/TR 1.00 X X 0 0 0 162562 12368 false false false INTEREST ON MEMBER LOANS 2289588 2289588 FEE INCOME 324287 324287 2613875 804324 804324 3418199 3418199 162562 162562 502064 502064 189182 176814 12368 51662 39226 12436 5509 5509 3590 3590 41730 41730 125194 125194 71113 71113 9015 2385 6630 4799 4799 1066233 1066233 89468 89468 40761 40761 SUPPORT SERVICES 220228 220228 DATA PROCESSING FEES 148998 148998 MISCELLANEOUS 74313 74313 STATIONARY & SUPPLIES 61877 61877 57784 57784 2926082 2889849 36233 0 1300784 1203383 48628403 45112557 48935428 52759746 44343 90285 2500996 997637 1560606 1503359 1012620 976864 101482184 101646194 364504 392018 86079644 86077909 86444148 86469927 X 15038036 15176267 15038036 15176267 101482184 101646194 X 492117 -353886 X false false false 346325 346325 1772011 746138 1025873 382660 251499 131161 1503359 MEMBERS SHARE\SAVINGS ACCOUNTS 77077909 OVERNIGHT LOAN 9000000 86077909 FORM 990, PAGE 6, PART VI, LINE 6 WNC COMMUNITY CREDIT UNION'S MEMBERSHIP IS MADE UP OF ANYONE LIVING OR WORKING IN HAYWOOD OR JACKSON COUNTY, NC AND IS APPROVED BY A CREDIT UNION EMPLOYEE AND MAINTAINS A MINIMUM BALANCE IN A SHARE SAVINGS ACCOUNT. FORM 990, PAGE 6, PART VI, LINE 7A AT THE ANNUAL BUSINESS MEETING OF THE CREDIT UNION, THE MEMBERS ELECT MEMBERS TO THE BOARD OF DIRECTORS. FORM 990, PAGE 6, PART VI, LINE 11B THE CPA WHO PREPARES THE FORM 990 REVIEWS THE RETURN WITH THE CEO AND/OR CFO PRIOR TO THE RETURN BEING E-FILED. THE CEO REPORTS THE FILING OF THE FORM 990 TO THE BOARD. FORM 990, PAGE 6, PART VI, LINE 12C EACH YEAR A SUPERVISORY AUDIT OR A FINANCIAL STATEMENT AUDIT IS CONDUCTED. AS PART OF THE PROCEDURES FOR THESE AUDITS, THE CONFLICT OF INTEREST POLICY IS REVIEWED AND A DETERMINATION IS MADE AS TO WHETHER THE POLICY IS ENFORCED AND FUNCTIONING. FORM 990, PAGE 6, PART VI, LINE 15A THE BOARD OF DIRECTORS IS RESPONSIBLE FOR THE COMPENSATION OF THE CEO. THEY ARE PROVIDED WITH DOCUMENTATION REGARDING THE COMPENSATION LEVELS OF OTHER AREA CREDIT UNIONS. THEY UTILIZE THIS INFORMATION TO MAKE AN INDEPENDENT AND INFORMED DECISION REGARDING THE COMPENSATION AWARDED TO THE CEO. FORM 990, PAGE 6, PART VI, LINE 15B FOR OTHER OFFICERS AND OTHER KEY EMPLOYEES, THE BOARD ALSO MAKES AN INFORMED DECISION CONCERNING THEIR COMPENSATION AMOUNTS. THEY ARE PROVIDED WITH COMPARABLE LEVELS OF COMPENSATION FROM OTHER CREDIT UNIONS IN NORTH CAROLINA. FROM THIS INFORMATION THEY VOTE TO APPROVE COMPENSATION AWARDED TO OFFICERS AND OTHER KEY EMPLOYEES. FORM 990, PAGE 6, PART VI, LINE 19 THE ORGANIZING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE AVAIALABLE TO THE PUBLIC UPON REQUEST. FORM 990, PART XI, LINE 9 REALLOCATE TO LOAN LOSS ALLOWANCE -353,886