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
Call Report peers
Piedmont Advantage Credit Union in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Piedmont Advantage Credit Union sits in 60-64 with 179 others.
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
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).
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.
- One place up in North Carolina, Carolina Cooperative (#46) scores 69/100, 5 points higher; one place down, REVITY (#48) ties at 64/100.
How Piedmont Advantage Credit Union's 5300 filing moved
Piedmont Advantage Credit Union: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.2% from $387.2M (2025Q4) to $382.5M (2026Q1).
- Net-worth ratio shifted -0.02 pp (8.37% → 8.35%).
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
Piedmont Advantage Credit Union gives up 36 points in total. Return on Assets costs the most, 15 of its 15; Loan-to-Share Ratio scores full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Piedmont Advantage Credit Union financially healthy?
On its 2025Q4 NCUA 5300 filing, Piedmont Advantage Credit Union scores 64/100 (Good), with a 8.35% net worth ratio and 0.65% of loans delinquent. It ranks #3,926 of 4,374 nationally on health and #47 of 57 in North Carolina.
How does Piedmont Advantage Credit Union compare to other credit unions?
Piedmont Advantage Credit Union scores 64/100, higher than 10% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (76.36% vs 72.20%). Its widest shortfall is net worth ratio (8.35% vs 12.11%).
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?
Piedmont Advantage Credit Union is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.