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Letter portraitLegal landscapeQuarterYTD

Piedmont Advantage Credit Union

Winston Salem, NC · Charter 60160

NCUA · 6 branches

Q2 2026

$367.9MAssets
$241.8MLoans
$342.7MShares
$31.5MNet Worth

Executive Summary

  • Earnings: ROA of -0.51%, down 5 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 0.50% of loans (-3 bps YoY).
  • Capital: net worth / assets of 8.55%, up 43 bps from a year ago.
  • Funding: loans stand at 70.55% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

-0.51%-5 bps YoY

Net Interest Margin (YTD, annualized)

3.12%+18 bps YoY

Efficiency Ratio (YTD, annualized)

109.97%+32 bps YoY

Net Worth / Assets

8.55%+43 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.59%-0.58%-0.53%-0.46%-0.53%0.03%-0.47%-0.51%-5 bps
Return on Equity-7.03%-6.92%-6.62%-5.60%-6.62%0.36%-5.57%-5.91%-31 bps
Net Interest Margin2.82%2.88%2.84%2.95%2.97%3.01%2.98%3.12%+18 bps
Efficiency Ratio113.68%112.53%112.94%109.65%111.24%98.48%109.60%109.97%+32 bps
Growth
Asset Growth (YoY)-1.12%0.66%1.09%-2.57%-1.36%-0.07%-3.07%-4.89%-232 bps
Loan Growth (YoY)-7.41%-1.85%-2.46%-2.64%0.34%-0.40%-1.52%-6.32%-368 bps
Share Growth (YoY)-4.82%-5.65%-2.77%-3.06%-1.74%-1.69%-1.94%-0.42%+264 bps
Asset Quality
Delinquent Loans / Loans0.46%0.55%0.47%0.54%0.55%0.65%0.56%0.50%-3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.39%8.34%8.05%8.12%7.97%8.37%8.35%8.55%+43 bps
Net Worth / Assets8.39%8.34%8.05%8.12%7.97%8.37%8.35%8.55%+43 bps
Liquidity & Funding
Loans / Shares75.07%75.38%72.82%74.99%76.66%76.36%73.12%70.55%-444 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps