PIEDMONT ADVANTAGE CREDIT UNION
Charter #60160 · Winston Salem, NC · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 27,779 ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 8.35% sits at the 11th percentile of structural peers — worth a closer look.
- Return on average assets of -0.46% sits at the 3rd percentile of structural peers — worth a closer look.
- Net interest margin of 2.96% sits at the 10th percentile of structural peers — worth a closer look.
- Efficiency ratio of 109.60% sits at the 97th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | PIEDMONT ADVANTAGE CREDIT UNION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $382.55M | 87th pct | 70th pct |
| Members | 27,779 | 92th pct | 82th pct |
| Net worth ratio | 8.35% | 6th pct | 11th pct |
| Return on average assets | -0.46% | 3th pct | 3th pct |
| Net interest margin | 2.96% | 13th pct | 10th pct |
| Cost of funds | 1.11% | 44th pct | 31th pct |
| Loan-to-share | 73.12% | 52th pct | 43th pct |
| Delinquency 60+ days | 0.56% | 46th pct | 33th pct |
| Net charge-off ratio | 0.09% | 18th pct | 26th pct |
| Loan growth YoY | -3.49% | 13th pct | 7th pct |
| Share growth YoY | 1.18% | 19th pct | 33th pct |
| Efficiency ratio | 109.60% | 99th pct | 97th pct |
structural peer set hash: 67ef724b5042240ba58c43c875d8b06d… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.