Liabilities / Assets
19th percentile
Higher debt load relative to assets than 19% of similar nonprofits.
990 • Fiscal year 2015 • EIN 56-6045330
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
19th percentile
Higher debt load relative to assets than 19% of similar nonprofits.
Liabilities / Revenue
88th percentile
Higher debt load relative to revenue than 88% of similar nonprofits.
Net Margin
77th percentile
Higher net margin than 77% of similar nonprofits.
Top Officer Pay
64th percentile
Higher top officer pay than 64% of similar nonprofits.
Top officer pay equals 6.3% of source-year revenue.
Asset Growth
36th percentile
Faster asset growth than 36% of similar nonprofits.
Revenue Growth
39th percentile
Faster revenue growth than 39% of similar nonprofits.
Assets
Up$77,176,298
Up $2,023,265 (+2.7%) from 2014
Net Assets
Up$11,884,108
Up $376,213 (+3.3%) from 2014
Liabilities
Up$65,292,190
Up $1,647,052 (+2.6%) from 2014
Revenue
Up$2,404,834
Up $16,756 (+0.7%) from 2014
Expenses
Up$2,028,621
Up $37,898 (+1.9%) from 2014
Net Income
Down$376,213
Down $21,142 (-5.3%) from 2014
State chartered credit union
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $37,816,411 | $40,578,197 | ▲ $2,761,786 |
| Savings and Temporary Cash Investments | $33,238,997 | $32,645,038 | ▼ $593,959 |
| Rtn Earn Endowment Incm Other Fnds | $11,507,895 | $11,884,108 | ▲ $376,213 |
| Land, Buildings, and Equipment, Net | $2,399,489 | $2,297,658 | ▼ $101,831 |
| Cash and Non-Interest-Bearing Accounts | $882,310 | $841,864 | ▼ $40,446 |
| Prepaid Expenses and Deferred Charges | $71,087 | $76,658 | ▲ $5,571 |
| Total Assets | $75,153,033 | $77,176,298 | ▲ $2,023,265 |
| Other Assets Total | $744,739 | $736,883 | ▼ $7,856 |
| Liabilities | |||
| Other Liabilities | $63,439,201 | $65,141,580 | ▲ $1,702,379 |
| Accounts Payable and Accrued Expenses | $205,937 | $150,610 | ▼ $55,327 |
| Total Liabilities | $63,645,138 | $65,292,190 | ▲ $1,647,052 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $11,507,895 | $11,884,108 | ▲ $376,213 |
| Total Liabilities and Net Assets / Fund Balance | $75,153,033 | $77,176,298 | ▲ $2,023,265 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $1,514,347 | $231,794 | $1,746,141 |
| Land | $621,325 | - | $621,325 |
| Equipment | $161,986 | $192,982 | $354,968 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Randall S Crawford | CEO | FT | $136,518 | $13,842 | $150,360 |
| Larry E Smith | CFO | FT | $72,034 | $11,814 | $83,848 |
| Name | Title |
|---|---|
| Johnny Bradshaw | Director |
| Jonas L Gunter | Director |
| Patrick Bradshaw | Director |
| Roger Wright | Director |
| Bobby Capps | Bod Presiden |
| Bobby Cogdill | Secretary/tr |
| David Sutton | Vice Preside |
| Line Item | Amount |
|---|---|
| Other Expenses | $1,301,835 |
| Salaries, Compensation, and Employee Benefits | $726,786 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Interest | $417,155 | - | - | $417,155 |
| Other Salaries and Wages | $325,068 | - | - | $325,068 |
| Current Officers, Directors, Trustees, and Key Employees | - | $208,552 | - | $208,552 |
| All Other Expenses | $177,175 | - | - | $177,175 |
| Other Employee Benefits | $124,653 | $25,656 | - | $150,309 |
| Depreciation Depletion | $110,221 | - | - | $110,221 |
| Information Technology | $94,612 | - | - | $94,612 |
| Occupancy | $68,834 | - | - | $68,834 |
| Other Expenses | $64,763 | - | - | $64,763 |
| Payroll Taxes | $28,019 | $14,838 | - | $42,857 |
| Insurance | $27,919 | - | - | $27,919 |
| Fees for Services Accounting | $11,425 | - | - | $11,425 |
| Fees for Services Legal | $9,285 | - | - | $9,285 |
| Advertising | $7,934 | - | - | $7,934 |
| Conferences and Meetings | - | $4,009 | - | $4,009 |
| Travel | $319 | $1,621 | - | $1,940 |
| Total Functional Expenses | $1,773,945 | $254,676 | $0 | $2,028,621 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| MEMBERS SHARE\SAVINGS ACCOUNTS | $65,141,580 |
“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.”
“At the annual business meeting of the credit union, the members elect members to the board of directors.”
“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.”
“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.”
“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.”
“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.”
“The organizing documents, conflict of interest policy and financial statements are avaialable to the public upon request.”
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
| IRS990/AccountantCompileOrReviewInd | 0 | false |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 205937 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 150610 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | STATE CHARTERED CREDIT UNION |
| IRS990/AdvertisingGrp/ProgramServicesAmt | 0 | 7934 |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 7934 |
| IRS990/AllOtherExpensesGrp/ProgramServicesAmt | 0 | 177175 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 177175 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | true |
| IRS990/BackupWthldComplianceInd | 0 | true |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | RANDALL S CRAWFORD |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 8284561840 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 27 KENT LANE |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | WAYNESVILLE |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | NC |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 287864124 |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 882310 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 841864 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt | 0 | 208552 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 208552 |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | true |
| IRS990/CompensationProcessOtherInd | 0 | true |
| IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt | 0 | 4009 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 4009 |
| IRS990/ConflictOfInterestPolicyInd | 0 | true |
| IRS990/ConservationEasementsInd | 0 | false |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | false |
| IRS990/CreditCounselingInd | 0 | false |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 270693 |
| IRS990/CYOtherExpensesAmt | 0 | 1301835 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 2134141 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 376213 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 726786 |
| IRS990/CYTotalExpensesAmt | 0 | 2028621 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 2404834 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | false |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/DepreciationDepletionGrp/ProgramServicesAmt | 0 | 110221 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 110221 |
| IRS990/Desc | 0 | 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. |
| IRS990/DescribedInSection501c3Ind | 0 | false |
| IRS990/DisregardedEntityInd | 0 | false |
| IRS990/DocumentRetentionPolicyInd | 0 | true |
| IRS990/DoingBusinessAsName/BusinessNameLine1Txt | 0 | WNC COMMUNITY CREDIT UNION |
| IRS990/DonorAdvisedFundInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | true |
| IRS990/EmployeeCnt | 0 | 11 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/ExpenseAmt | 0 | 1773945 |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt | 0 | 11425 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 11425 |
| IRS990/FeesForServicesLegalGrp/ProgramServicesAmt | 0 | 9285 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 9285 |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignOfficeInd | 0 | false |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 13842 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 11814 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | JOHNNY BRADSHAW |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | PATRICK BRADSHAW |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | BOBBY CAPPS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | BOBBY COGDILL |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | JONAS L GUNTER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | DAVID SUTTON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | ROGER WRIGHT |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | RANDALL S CRAWFORD |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | LARRY E SMITH |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 136518 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 72034 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | BOD PRESIDEN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | SECRETARY/TR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | VICE PRESIDE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | CFO |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | false |
| IRS990/FormationYr | 0 | 1946 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedInd | 0 | false |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossReceiptsAmt | 0 | 2404834 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | false |
| IRS990/IndependentAuditFinclStmtInd | 0 | false |
| IRS990/IndependentVotingMemberCnt | 0 | 7 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/ProgramServicesAmt | 0 | 94612 |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 94612 |
| IRS990/InsuranceGrp/ProgramServicesAmt | 0 | 27919 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 27919 |
| IRS990/InterestGrp/ProgramServicesAmt | 0 | 417155 |
| IRS990/InterestGrp/TotalAmt | 0 | 417155 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 270693 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 270693 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/IRPDocumentCnt | 0 | 1427 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 424776 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 2399489 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 2297658 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 2722434 |
| IRS990/LegalDomicileStateCd | 0 | NC |
| IRS990/LoanOutstandingInd | 0 | false |
| IRS990/LocalChaptersInd | 0 | false |
| IRS990/MaterialDiversionOrMisuseInd | 0 | false |
| IRS990/MembersOrStockholdersInd | 0 | true |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| IRS990/MissionDesc | 0 | STATE CHARTERED CREDIT UNION |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 11507895 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 11884108 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/ProgramServicesAmt | 0 | 68834 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 68834 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 744739 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 736883 |
| IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt | 0 | 25656 |
| IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt | 0 | 124653 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 150309 |
| IRS990/OtherExpensesGrp/Desc | 0 | SUPPORT SERVICES |
| IRS990/OtherExpensesGrp/Desc | 1 | DATA PROCESSING FEES |
| IRS990/OtherExpensesGrp/Desc | 2 | LOAN LOSS EXPENSE |
| IRS990/OtherExpensesGrp/Desc | 3 | MISCELLANEOUS |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 116938 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 95125 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 2 | 94500 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 3 | 64763 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 116938 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 95125 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 94500 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 64763 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 63439201 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 65141580 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 325068 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 325068 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 37816411 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 40578197 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt | 0 | 14838 |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 28019 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 42857 |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 71087 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 76658 |
| IRS990/PrincipalOfficerNm | 0 | RANDALL S CRAWFORD |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST ON MEMBER LOANS |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEE INCOME |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1982214 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 151927 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 1982214 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 151927 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 285402 |
| IRS990/PYOtherExpensesAmt | 0 | 1275466 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 2102676 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 397355 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 715257 |
| IRS990/PYTotalExpensesAmt | 0 | 1990723 |
| IRS990/PYTotalRevenueAmt | 0 | 2388078 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 376213 |
| IRS990/RegularMonitoringEnfrcInd | 0 | true |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | false |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990/RevenueAmt | 0 | 2134141 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 11507895 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 11884108 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 33238997 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 32645038 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 1514347 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 231794 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 1746141 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 161986 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 192982 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 354968 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 621325 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 621325 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 65141580 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBERS SHARE\SAVINGS ACCOUNTS |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 2297658 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 65141580 |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | false |
| IRS990/ScheduleJRequiredInd | 0 | true |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 136518 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 13842 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | RANDALL S CRAWFORD |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | CEO |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 150360 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | false |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | false |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | AT THE ANNUAL BUSINESS MEETING OF THE CREDIT UNION, THE MEMBERS ELECT MEMBERS TO THE BOARD OF DIRECTORS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | THE ORGANIZING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE AVAIALABLE TO THE PUBLIC UPON REQUEST. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PAGE 6, PART VI, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PAGE 6, PART VI, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PAGE 6, PART VI, LINE 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PAGE 6, PART VI, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PAGE 6, PART VI, LINE 15A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PAGE 6, PART VI, LINE 15B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PAGE 6, PART VI, LINE 19 |
| IRS990/SchoolOperatingInd | 0 | false |
| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/SubjectToProxyTaxInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TempOrPermanentEndowmentsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 75153033 |
| IRS990/TotalAssetsEOYAmt | 0 | 77176298 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 75153033 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 77176298 |
| IRS990/TotalCompGreaterThan150KInd | 0 | true |
| IRS990/TotalEmployeeCnt | 0 | 11 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 254676 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 1773945 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 2028621 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 63645138 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 65292190 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 63645138 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 65292190 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 11507895 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 11884108 |
| IRS990/TotalOtherCompensationAmt | 0 | 25656 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 1773945 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 2134141 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 208552 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 2404834 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 2404834 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 75153033 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 77176298 |
| IRS990/TravelGrp/ManagementAndGeneralAmt | 0 | 1621 |
| IRS990/TravelGrp/ProgramServicesAmt | 0 | 319 |
| IRS990/TravelGrp/TotalAmt | 0 | 1940 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | false |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 579 BUFF CREEK RD |
| IRS990/USAddress/CityNm | 0 | SYLVA |
| IRS990/USAddress/StateAbbreviationCd | 0 | NC |
| IRS990/USAddress/ZIPCd | 0 | 28779 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 7 |
| IRS990/VotingMembersIndependentCnt | 0 | 7 |
| IRS990/WebsiteAddressTxt | 0 | WWW.WNCCCU.ORG |
| IRS990/WhistleblowerPolicyInd | 0 | false |
| ReturnHeader/BuildTS | 0 | 2016-09-27 15:27:22Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | true |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | RANDALL S CRAWFORD |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | CEO |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 8284561840 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2016-05-11 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | STATE CHARTERED CREDIT UNION IN NC |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | STAT |
| ReturnHeader/Filer/EIN | 0 | 566045330 |
| ReturnHeader/Filer/PhoneNum | 0 | 8284561840 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | PO BOX 1440 |
| ReturnHeader/Filer/USAddress/CityNm | 0 | WAYNESVILLE |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | NC |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 28786 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 561371036 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | RAY BUMGARNER KINGSHILL & ASSOC PA |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 385 N HAYWOOD ST STE 3 |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | WAYNESVILLE |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | NC |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 287865722 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 8284524734 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2016-05-11 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | MARK A BUMGARNER CPA |
| ReturnHeader/ReturnTs | 0 | 2016-05-13T09:21:39-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2015-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2015-12-31 |
| ReturnHeader/TaxYr | 0 | 2015 |
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Displayed year
2015 • Form 990Detailed filing. Detailed filing data is available for this year.
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