Liabilities / Assets
20th percentile
Higher debt load relative to assets than 20% of similar nonprofits.
990 • Fiscal year 2017 • EIN 56-6045330
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
20th percentile
Higher debt load relative to assets than 20% of similar nonprofits.
Liabilities / Revenue
90th percentile
Higher debt load relative to revenue than 90% of similar nonprofits.
Net Margin
48th percentile
Higher net margin than 48% of similar nonprofits.
Top Officer Pay
94th percentile
Higher top officer pay than 94% of similar nonprofits.
Top officer pay equals 9.9% of source-year revenue.
Asset Growth
33rd percentile
Faster asset growth than 33% of similar nonprofits.
Revenue Growth
54th percentile
Faster revenue growth than 54% of similar nonprofits.
Assets
Up$81,020,181
Up $1,119,073 (+1.4%) from 2016
Net Assets
Up$12,491,647
Up $237,561 (+1.9%) from 2016
Liabilities
Up$68,528,534
Up $881,512 (+1.3%) from 2016
Revenue
Up$2,617,306
Up $138,586 (+5.6%) from 2016
Expenses
Up$2,379,745
Up $271,003 (+13%) from 2016
Net Income
Down$237,561
Down $132,417 (-36%) from 2016
State chartered credit union
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $39,997,862 | $41,625,093 | ▲ $1,627,231 |
| Savings and Temporary Cash Investments | $36,285,177 | $35,924,319 | ▼ $360,858 |
| Rtn Earn Endowment Incm Other Fnds | $12,254,086 | $12,491,647 | ▲ $237,561 |
| Land, Buildings, and Equipment, Net | $1,912,295 | $1,811,464 | ▼ $100,831 |
| Cash and Non-Interest-Bearing Accounts | $896,083 | $764,453 | ▼ $131,630 |
| Prepaid Expenses and Deferred Charges | $54,873 | $82,034 | ▲ $27,161 |
| Total Assets | $79,901,108 | $81,020,181 | ▲ $1,119,073 |
| Other Assets Total | $754,818 | $812,818 | ▲ $58,000 |
| Liabilities | |||
| Other Liabilities | $67,401,650 | $68,189,993 | ▲ $788,343 |
| Accounts Payable and Accrued Expenses | $245,372 | $338,541 | ▲ $93,169 |
| Total Liabilities | $67,647,022 | $68,528,534 | ▲ $881,512 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $12,254,086 | $12,491,647 | ▲ $237,561 |
| Total Liabilities and Net Assets / Fund Balance | $79,901,108 | $81,020,181 | ▲ $1,119,073 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $1,387,914 | $358,227 | $1,746,141 |
| Equipment | $77,225 | $282,473 | $359,698 |
| Land | $346,325 | - | $346,325 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Randall S Crawford | CEO | FT | $150,029 | $107,950 | $257,979 |
| Larry E Smith | CFO | FT | $78,974 | $13,907 | $92,881 |
| Name | Title |
|---|---|
| Martha Woody | Director |
| Patty Sutton | Director |
| Roger Wright | Director |
| William Roberts | Director |
| Bobby Capps | Bod Presiden |
| Bobby Cogdill | Secretary/tr |
| David Sutton | Vice Preside |
| Line Item | Amount |
|---|---|
| Other Expenses | $1,482,575 |
| Salaries, Compensation, and Employee Benefits | $897,170 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Interest | $658,855 | - | - | $658,855 |
| Other Salaries and Wages | $356,858 | - | - | $356,858 |
| Other Employee Benefits | $237,157 | $29,854 | - | $267,011 |
| Current Officers, Directors, Trustees, and Key Employees | - | $229,003 | - | $229,003 |
| Depreciation Depletion | $105,561 | - | - | $105,561 |
| All Other Expenses | $100,498 | - | - | $100,498 |
| Information Technology | $96,122 | - | - | $96,122 |
| Occupancy | $67,540 | - | - | $67,540 |
| Other Expenses | $46,846 | - | - | $46,846 |
| Payroll Taxes | $28,196 | $16,102 | - | $44,298 |
| Insurance | $29,097 | - | - | $29,097 |
| Fees for Services Legal | $19,985 | - | - | $19,985 |
| Advertising | $14,521 | - | - | $14,521 |
| Fees for Services Accounting | $11,363 | - | - | $11,363 |
| Conferences and Meetings | - | $3,240 | - | $3,240 |
| Travel | $224 | $1,823 | - | $2,047 |
| Total Functional Expenses | $2,099,723 | $280,022 | $0 | $2,379,745 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| MEMBERS SHARE\SAVINGS ACCOUNTS | $68,189,993 |
“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 | 245372 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 338541 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | STATE CHARTERED CREDIT UNION |
| IRS990/AdvertisingGrp/ProgramServicesAmt | 0 | 14521 |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 14521 |
| IRS990/AllOtherExpensesGrp/ProgramServicesAmt | 0 | 100498 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 100498 |
| 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 | 896083 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 764453 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt | 0 | 229003 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 229003 |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | true |
| IRS990/CompensationProcessOtherInd | 0 | true |
| IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt | 0 | 3240 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 3240 |
| 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 | 437033 |
| IRS990/CYOtherExpensesAmt | 0 | 1482575 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 2180273 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 237561 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 897170 |
| IRS990/CYTotalExpensesAmt | 0 | 2379745 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 2617306 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | false |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/DepreciationDepletionGrp/ProgramServicesAmt | 0 | 105561 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 105561 |
| 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 | 13 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/ExpenseAmt | 0 | 2099723 |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt | 0 | 11363 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 11363 |
| IRS990/FeesForServicesLegalGrp/ProgramServicesAmt | 0 | 19985 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 19985 |
| 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/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 4 | 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 | 107950 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 13907 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | BOBBY CAPPS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | BOBBY COGDILL |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | WILLIAM ROBERTS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | DAVID SUTTON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | PATTY SUTTON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | MARTHA WOODY |
| 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 | 150029 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 78974 |
| 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 | BOD PRESIDEN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | SECRETARY/TR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | VICE PRESIDE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | DIRECTOR |
| 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 | 2617306 |
| 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 | 96122 |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 96122 |
| IRS990/InsuranceGrp/ProgramServicesAmt | 0 | 29097 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 29097 |
| IRS990/InterestGrp/ProgramServicesAmt | 0 | 658855 |
| IRS990/InterestGrp/TotalAmt | 0 | 658855 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 437033 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 437033 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/IRPDocumentCnt | 0 | 1615 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 640700 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 1912295 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 1811464 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 2452164 |
| 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 | 12254086 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 12491647 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/ProgramServicesAmt | 0 | 67540 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 67540 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 754818 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 812818 |
| IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt | 0 | 29854 |
| IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt | 0 | 237157 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 267011 |
| IRS990/OtherExpensesGrp/Desc | 0 | SUPPORT SERVICES |
| IRS990/OtherExpensesGrp/Desc | 1 | DATA PROCESSING FEES |
| IRS990/OtherExpensesGrp/Desc | 2 | MISCELLANEOUS |
| IRS990/OtherExpensesGrp/Desc | 3 | STATIONARY & SUPPLIES |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 147670 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 106039 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 2 | 73191 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 3 | 46846 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 147670 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 106039 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 73191 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 46846 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 67401650 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 68189993 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 356858 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 356858 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 39997862 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 41625093 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt | 0 | 16102 |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 28196 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 44298 |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 54873 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 82034 |
| 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 | 1941010 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 239263 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 1941010 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 239263 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 312010 |
| IRS990/PYOtherExpensesAmt | 0 | 1257928 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 2166710 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 369978 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 850814 |
| IRS990/PYTotalExpensesAmt | 0 | 2108742 |
| IRS990/PYTotalRevenueAmt | 0 | 2478720 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 237561 |
| 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 | 2180273 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 12254086 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 12491647 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 36285177 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 35924319 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 1387914 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 358227 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 1746141 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 77225 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 282473 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 359698 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 346325 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 346325 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 68189993 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBERS SHARE\SAVINGS ACCOUNTS |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 1811464 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 68189993 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | false |
| IRS990/ScheduleJRequiredInd | 0 | true |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 150029 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 92003 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 15947 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | RANDALL S CRAWFORD |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | CEO |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 257979 |
| 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 |
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| IRS990/SignificantChangeInd | 0 | false |
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| IRS990/SubjectToProxyTaxInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TempOrPermanentEndowmentsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
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| IRS990/TotalAssetsEOYAmt | 0 | 81020181 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 79901108 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 81020181 |
| IRS990/TotalCompGreaterThan150KInd | 0 | true |
| IRS990/TotalEmployeeCnt | 0 | 13 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 280022 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 2099723 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 2379745 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 67647022 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 68528534 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 67647022 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 68528534 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 12254086 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 12491647 |
| IRS990/TotalOtherCompensationAmt | 0 | 121857 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 2099723 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 2180273 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 229003 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 2617306 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 2617306 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 79901108 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 81020181 |
| IRS990/TravelGrp/ManagementAndGeneralAmt | 0 | 1823 |
| IRS990/TravelGrp/ProgramServicesAmt | 0 | 224 |
| IRS990/TravelGrp/TotalAmt | 0 | 2047 |
| 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 | 2018-06-14 16:35:46Z |
| 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 | 2018-05-07 |
| 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/FilingSecurityInformation/AtSubmissionCreationDeviceId | 0 | E681463A771199CA966C9332388E842BABD7BAC3 |
| ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId | 0 | E681463A771199CA966C9332388E842BABD7BAC3 |
| ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd | 0 | P |
| ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt | 0 | 96.36.124.110 |
| ReturnHeader/FilingSecurityInformation/IPDt | 0 | 2018-05-10 |
| ReturnHeader/FilingSecurityInformation/IPTimezoneCd | 0 | CD |
| ReturnHeader/FilingSecurityInformation/IPTm | 0 | 15:36:35 |
| 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 | 2018-05-07 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | MARK A BUMGARNER CPA |
| ReturnHeader/ReturnTs | 0 | 2018-05-10T16:36:35-04:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2017-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2017-12-31 |
| ReturnHeader/TaxYr | 0 | 2017 |
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Displayed year
2017 • Form 990Detailed filing. Detailed filing data is available for this year.
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