State credit union · Winston Salem, North Carolina · NCUA charter #60160
Piedmont Advantage Credit Union
Health score 64/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 64
- Health / 100
- $387.2M
- Total assets
- 28,097
- Members
- 8.1%
- Net-worth ratio
Piedmont Advantage Credit Union - Share Insurance Coverage
Charter #60160's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Piedmont Advantage Credit Union - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)84
- Asset quality (delinquency)94
- Earnings (ROA)0
- Member growth0
- Liquidity (loan-to-share)100
Weighted composite: 64/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
8.09% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.09% | 30% |
| Delinquency Rate | 0.65% | 25% |
| Return on Assets | -0.58% | 15% |
| Member Growth | -7.48% | 15% |
| Loan-to-Share Ratio | 76.36% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $387.2M | 28,097 |
| 2024Q4 | $387.5M | 30,368 |
| 2023Q4 | $384.9M | 31,681 |
Credit Union Details
- Charter Number
- 60160
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- North Carolina
- City
- Winston Salem
- Data Quarter
- 2025Q4
What This Data Says About Piedmont Advantage Credit Union
Piedmont Advantage Credit Union is a state credit union headquartered in Winston Salem, North Carolina, serving 28,097 members with $387.2M in total assets and $259.3M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 64/100 (Good), anchored by a net worth ratio of 8.09% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #60160 operates under peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
0.65% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Deposit deployment is captured by the 76.36% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at -0.58% on net income of $-2234330 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -7.48%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in North Carolina
A look at other North Carolina credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Piedmont Advantage Credit Union financially healthy?
Piedmont Advantage Credit Union scores 64/100 (Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 8.09% net worth ratio and a 0.65% delinquency rate.
How does Piedmont Advantage Credit Union compare to other credit unions?
Five weighted metrics from NCUA filings produce Piedmont Advantage Credit Union's 64/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Piedmont Advantage Credit Union?
Membership eligibility for Piedmont Advantage Credit Union depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Piedmont Advantage Credit Union directly for current membership requirements and application steps.
Is my money safe at Piedmont Advantage Credit Union?
Federal credit unions like Piedmont Advantage Credit Union are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Piedmont Advantage Credit Union's net worth ratio of 8.09% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Piedmont Advantage Credit Union offer compared to banks?
Credit unions like Piedmont Advantage Credit Union are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Piedmont Advantage Credit Union directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.