Waynesville, NC · State Credit Union · Chartered in NC
Who can join
State government employees (special charter)
Members
31,225
Net Worth Ratio
11.11%
min. 7% = Well Capitalized
Contact & Details
NCUAWebsite
Phone
Address
Branch Locations
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
Total Assets
$370.2M
Total Shares
$325.5M
Total Loans
$208.0M
Net Income
$441K
Net Worth Ratio
11.11%
≥7% = Well Capitalized
Members
31,225
Return on Assets
0.12%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.53%
$1.1M
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 38 | 24 | 7 | 63.2% | 18.4% |
| 2022 | 55 | 41 | 5 | 74.5% | 9.1% |
No CFPB complaint data available for this credit union.
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Mountain Credit Union
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<a href="https://bankscorer.com/credit-union/mountain" target="_blank" rel="noopener">View MOUNTAIN on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.
Loan-to-share ratio: 63.9%· healthy range 60–80%
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M-Th 8:30am - 5:00pm Fri 8:30am - 5:30pm
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M-Th 8:30am - 5:00pm Fri 8:30am - 5:30pm