State credit union · Winston Salem, North Carolina · NCUA charter #60160
Piedmont Advantage Credit Union
Health score 64/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 64
- Health / 100
- $387.2M
- Total assets
- 28,097
- Members
- 8.3%
- Net-worth ratio
Piedmont Advantage Credit Union scores 64/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $387.2M; members 28,097; net-worth ratio 8.35%; health rank #3,926 of 4,374; healthier than 10th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,926 of 4,374 health · 2025Q4Piedmont Advantage · health 64/100 · $387.2M · 2025Q4
- CAMELS 64/100
- HEALTH 8.3%
- NW 0.65%
- DELQ -0.58%
- ROA $387.2M
- ASSETS 28,097
- MEM #3,926/4,374
- RANK SKYWARD
- PHOTO 60160
Call Report peers
Piedmont Advantage Credit Union in the assets neighbourhood
Piedmont Advantage Credit Union's $387.2M assets sit next to SKYWARD ($387.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Piedmont Advantage Credit Union vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
64 10th percentile higher than 10% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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.
Where Piedmont Advantage Credit Union diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +4.16 pp (76.36% vs 72.20%).
- Largest lag: Net Worth Ratio at 8.35% vs peer 12.11% (-3.76 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
North Carolina standing for Piedmont Advantage Credit Union
- In North Carolina, health place is #47 of 57 on the same NCUA-ratio sort used nationally.
- By total assets, Piedmont Advantage Credit Union is #16 of 57 in North Carolina.
- Member book place in North Carolina: #18 of 57.
In-state ordinals use the live credit_unions table for NC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Piedmont Advantage Credit Union's 5300 filing moved
Piedmont Advantage Credit Union: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.2% from $387.2M (2025Q4) to $382.5M (2026Q1).
- Net-worth ratio shifted -0.02 pp (8.37% → 8.35%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
8.35% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 64/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 64.
- Net Worth Ratio 25.9 pts
- Delinquency Rate 23.5 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.35% | -3.76 pp |
| Delinquency Rate | 0.65% | -0.24 pp |
| Return on Assets | -0.58% | -1.20 pp |
| Member Growth | -7.48% | - |
| Loan-to-Share Ratio | 76.36% | +4.16 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Piedmont Advantage filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $382.5M | - |
| 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
Branch Locations (6)
The NCUA branch filing lists 6 physical offices for Piedmont Advantage Credit Union, spread across 5 cities.
| Office | City |
|---|---|
| Advantage Way (Main Office) | Winston Salem, NC |
| Boyer Street | Charlotte, NC |
| Eden | Eden, NC |
| Greensboro | Greensboro, NC |
| Mooresville | Mooresville, NC |
| University | Winston Salem, NC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Piedmont Advantage Credit Union nationwide neighbourhoods
Two NCUA Call Report peer sets for Piedmont Advantage Credit Union, both outside North Carolina so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($387.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (64/100 here).
Using this data
- Piedmont Advantage Credit Union ranks #3,926 of 4,374 nationally on financial health and #47 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MOUNTAIN is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MOUNTAIN
- Rates and health both vary by institution, not just by state -- see how North Carolina credit unions compare overall before assuming this one is typical. North Carolina state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
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. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,926 of 4,374; by total assets it ranks #886 of 4,374 nationally (same basis as /rankings/largest); and #16 of 57 within North Carolina. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 8.35% 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 8.35% 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.
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.