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Nonprofit · EIN 56-6045330

STATE CHARTERED CREDIT UNION IN NORTH CAROLINA

Also known as WNC COMMUNITY CREDIT UNION

Tax-exempt · WAYNESVILLE, NC 28786

Financials

$3.4M$2.9M2023$3.7M$3.4M2024$4.1M$3.5M2025
Revenue Expenses · by fiscal year end
Financials of STATE CHARTERED CREDIT UNION IN NORTH CAROLINA by year, from its e-filed returns
Year endedFormRevenueExpensesNet incomeTotal assetsLiabilitiesNet assets
December 31, 2025990$4,072,450$3,521,525$550,925$95,135,567$79,128,932$16,006,635
December 31, 2024990$3,720,742$3,441,299$279,443$90,687,896$75,232,186$15,455,710
December 31, 2023990$3,418,199$2,926,082$492,117$101,646,194$86,469,927$15,176,267
Financial details: 990 for the year ended December 31, 2025

Revenue

Contributions, gifts and grants
$0
Program service revenue
$3,412,576
Investment income
$659,874
Other revenue
$0

Expenses

Grants and similar amounts paid
$0
Compensation of officers, directors and key employees
$181,476
Other salaries and wages
$548,000
Salaries, compensation and benefits (total)
$1,028,990
Professional fundraising fees
$0
Legal fees
$7,476
Accounting fees
$18,097
Occupancy
$81,683
Travel
$6,422
Depreciation
$86,877
Program services (functional)
$3,482,600
Management and general (functional)
$38,925

Balance sheet and other

Total assets, start of year
$90,687,896
Total assets, end of year
$95,135,567
Total liabilities, end of year
$79,128,932
Net assets, end of year
$16,006,635
Land, buildings and equipment
$1,355,142
Gross receipts
$4,072,450
Employees
15
Year formed
1946
State of legal domicile
NC

From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.

Officers, directors and key employees

As listed on the 990 for the year ended December 31, 2025, highest compensation first.

NameTitleHours / weekCompensation
WILLIAM L ROBERTSCEO
Officer
40$111,938
BRENTON FISHERCFO
Officer
40$69,538
BRIDGETTE BROOKSDIRECTOR
Trustee or director
1$0
BOBBY CAPPSBOD VICE CHA
Trustee or director, Officer
1$0
BOBBY COGDILLDIRECTOR
Trustee or director
1$0
RANDALL CRAWFORDBOD CHAIRMAN
Trustee or director, Officer
1$0
JANICE HALLDIRECTOR
Trustee or director
1$0
STEVE PLEMMONSDIRECTOR
Trustee or director
1$0
ROGER WRIGHTSECRETARY/TR
Trustee or director, Officer
1$0
990 for the year ended December 31, 2024: 9 people
NameTitleHours / weekCompensation
WILLIAM L ROBERTSCEO
Officer
40$99,952
BRENTON FISHERCFO
Officer
40$62,610
BRIDGETTE BROOKSDIRECTOR
Trustee or director
1$0
BOBBY CAPPSBOD CHAIRMAN
Trustee or director, Officer
1$0
BOBBY COGDILLDIRECTOR
Trustee or director
1$0
RANDALL CRAWFORDVICE CHAIRMA
Trustee or director, Officer
1$0
JANICE HALLDIRECTOR
Trustee or director
1$0
STEVE PLEMMONSDIRECTOR
Trustee or director
1$0
ROGER WRIGHTSECRETARY/TR
Trustee or director, Officer
1$0
990 for the year ended December 31, 2023: 9 people
NameTitleHours / weekCompensationOther / benefits
WILLIAM L ROBERTSCEO
Officer
40$99,952$6,155
BRENTON FISHERCFO
Officer
40$62,610$6,213
BOBBY CAPPSBOD CHAIRMAN
Trustee or director, Officer
1$0$0
BOBBY COGDILLDIRECTOR
Trustee or director
1$0$0
RANDALL CRAWFORDVICE CHAIRMA
Trustee or director, Officer
1$0$0
JANICE HALLDIRECTOR
Trustee or director
1$0$0
STEVE PLEMMONSDIRECTOR
Trustee or director
1$0$0
MARTHA WOODYDIRECTOR
Trustee or director
1$0$0
ROGER WRIGHTSECRETARY/TR
Trustee or director, Officer
1$0$0

Address and contacts

Address (IRS master file)
PO BOX 1440, WAYNESVILLE, NC 28786-1440
In care of
% WILLIAM ROBERTS
Principal officer (990 for 2025)
WILLIAM L ROBERTS, 45 CARRIAGE LANE, CANTON, NC 28716
Signed the 990
WILLIAM L ROBERTS, CEO
Phone
(828) 456-1840
Return prepared by
RAY BUMGARNER KINGSHILL & ASSOC PA

Mission

STATE CHARTERED CREDIT UNION

990 for the year ended December 31, 2025

Program accomplishments

  • 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.
    Expenses $3,482,600 · revenue $3,412,576

What it must file and when

IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.

Tax yearYear endedDueIRS public records
2025December 31, 2025May 15, 2026990 on file
2024December 31, 2024May 15, 2025990 on file
2023December 31, 2023May 15, 2024990 on file

IRS record

EIN
56-6045330
Tax-exempt status
501(c)(14): State-chartered credit union
Donations deductible
No
Exempt since
1969
Accounting year ends
December
Files
Form 990 or 990-EZ
Assets (IRS master file)
$95,135,567
Income (IRS master file)
$4,072,450

Filing history

FormYear endedRevenueExpensesAssetsReturn
990December 2025$4,072,450$3,521,525$95,135,567XML
990December 2024$3,720,742$3,441,299$90,687,896XML
990December 2023$3,418,199$2,926,082$101,646,194XML
990December 2022$3,030,686$2,192,286$101,482,184IRS
990December 2021–––IRS
990December 2020–––IRS
990December 2019–––IRS
990December 2018–––IRS

990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 56-6045330).

Questions about STATE CHARTERED CREDIT UNION IN NORTH CAROLINA

What is the EIN of STATE CHARTERED CREDIT UNION IN NORTH CAROLINA?
The employer identification number (EIN) of STATE CHARTERED CREDIT UNION IN NORTH CAROLINA is 56-6045330.
Is STATE CHARTERED CREDIT UNION IN NORTH CAROLINA tax-exempt?
Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1969.
Are donations to STATE CHARTERED CREDIT UNION IN NORTH CAROLINA tax-deductible?
No. The IRS master file says contributions to it are not deductible.
Which annual return does STATE CHARTERED CREDIT UNION IN NORTH CAROLINA file?
Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
When is the next return of STATE CHARTERED CREDIT UNION IN NORTH CAROLINA due?
The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
When did STATE CHARTERED CREDIT UNION IN NORTH CAROLINA last file with the IRS?
The latest return in the IRS public files is the 990 for the year ended December 2025.
Who is the principal officer of STATE CHARTERED CREDIT UNION IN NORTH CAROLINA?
The 990 for the year ended December 31, 2025 names WILLIAM L ROBERTS.
Who are the officers and directors of STATE CHARTERED CREDIT UNION IN NORTH CAROLINA?
The 990 for the year ended December 31, 2025 lists 9 people; 2 received compensation from the organization, the highest $111,938 (WILLIAM L ROBERTS, CEO).
How much revenue does STATE CHARTERED CREDIT UNION IN NORTH CAROLINA have?
On its 990 for the year ended December 31, 2025 it reported revenue of $4,072,450, expenses of $3,521,525 and total assets of $95,135,567 at year end.

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