Piedmont
Statesville, NC · Charter 65781 · Peer group: credit unions under $1B in assets (n=1,656-1,659)
NCUA · 1 branch
Q2 2025
$5.5MAssets
$3.1MLoans
$5.1MShares
$415KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 29% of credit unions under $1B in assets (rank 1184 of 1658).
- Widest gap: equity / assets trails 98% of credit unions under $1B in assets (rank 1619 of 1658).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
-0.83%
Rank 1,590 of 1,659
Net Interest Margin
3.29%
Rank 1,184 of 1,658
Efficiency Ratio
114.71%
Rank 1,609 of 1,656
Equity / Assets
7.51%
Rank 1,619 of 1,658
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.83% | 0.35% | 0.78% | 1.25% | Beats 4% | 1,590 / 1,659 | | |
| Return on Equity | -11.08% | 2.75% | 6.06% | 9.41% | Beats 3% | 1,610 / 1,657 | | |
| Net Interest Margin | 3.29% | 3.20% | 3.76% | 4.33% | Beats 29% | 1,184 / 1,658 | | |
| Efficiency Ratio | 114.71% | 67.69% | 77.34% | 85.79% | Beats 3% | 1,609 / 1,656 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.99% | 0.24% | 0.65% | 1.35% | Beats 4% | 1,589 / 1,657 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 7.51% | 10.20% | 12.57% | 16.16% | Beats 2% | 1,619 / 1,659 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 7.51% | 10.20% | 12.57% | 16.15% | Beats 2% | 1,619 / 1,658 | | |
| Liquidity & Funding |
| Loans / Deposits | 59.82% | 54.91% | 71.55% | 84.72% | 32nd pctl | 1,134 / 1,658 | | |
| Loans / Assets | 55.31% | 46.17% | 60.56% | 71.91% | 40th pctl | 998 / 1,658 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |