Piedmont Advantage Credit Union
Winston Salem, NC · Charter 60160 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
$367.9MAssets
$241.8MLoans
$342.7MShares
$31.5MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 59% of credit unions under $1B in assets (rank 691 of 1682).
- Widest gap: efficiency ratio trails 96% of credit unions under $1B in assets (rank 1610 of 1682).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-0.51%
Rank 1,576 of 1,683
Net Interest Margin
3.12%
Rank 1,376 of 1,683
Efficiency Ratio
109.97%
Rank 1,610 of 1,682
Equity / Assets
8.55%
Rank 1,564 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.51% | 0.35% | 0.74% | 1.18% | Beats 6% | 1,576 / 1,683 | |
| Return on Equity | -5.91% | 2.67% | 5.89% | 8.74% | Beats 5% | 1,599 / 1,681 | |
| Net Interest Margin | 3.12% | 3.31% | 3.82% | 4.32% | Beats 18% | 1,376 / 1,683 | |
| Efficiency Ratio | 109.97% | 68.91% | 78.20% | 86.93% | Beats 4% | 1,610 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.50% | 0.26% | 0.65% | 1.29% | Beats 59% | 691 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.55% | 10.44% | 12.89% | 16.53% | Beats 7% | 1,564 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.55% | 10.44% | 12.89% | 16.53% | Beats 7% | 1,564 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 70.55% | 52.61% | 69.38% | 83.50% | 52nd pctl | 808 / 1,683 | |
| Loans / Assets | 65.71% | 44.71% | 59.18% | 70.72% | 64th pctl | 610 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |