BlastPoint's Credit Union Scorecard
PIEDMONT ADVANTAGE CREDIT UNION
Charter #60160 · NC
PIEDMONT ADVANTAGE CREDIT UNION has 3 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 64.1% in tier
- + Net Charge-Off Rate: Top 6.4% in tier
- + Total Members: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 12.7% in tier
- - Stagnation Risk: Bottom 23.2% in tier
- - Efficiency Drag: Bottom 60.3% in tier
- - Credit Quality Pressure: Bottom 71.0% in tier
- - Indirect Auto Dependency: Bottom 95.6% in tier
- - ROA 0.73% below tier average
- - Efficiency ratio 21.47% above tier (higher cost structure)
- - Member decline: -7.5% YoY
- - Member Growth Rate: Bottom 5.8% in tier
- - Net Worth Ratio: Bottom 6.7% in tier
- - First Mortgage Concentration (%): Bottom 9.2% in tier
- - Deposit Growth Rate: Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
28,097
-7.5% YoY-0.7% QoQ
|
+12.7K |
15,437
-2.9% YoY
|
91,719
+6.9% YoY
|
33,374
+5.7% YoY
|
Top 8.7% in tier |
| Assets |
$387.2M
-0.1% YoY+0.3% QoQ
|
+$155.3M |
$231.9M
+1.3% YoY
|
$1.6B
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Top 12.8% in tier |
| Loans |
$259.3M
-0.4% YoY-0.6% QoQ
|
+$111.9M |
$147.3M
-0.1% YoY
|
$1.1B
+9.8% YoY
|
$397.0M
+8.8% YoY
|
Top 12.2% in tier |
| Deposits |
$339.6M
-1.7% YoY-0.2% QoQ
|
+$138.8M |
$200.8M
+0.8% YoY
|
$1.4B
+12.2% YoY
|
$477.3M
+9.7% YoY
|
Top 12.0% in tier |
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| ROA |
0.0%
-105.2% YoY-105.7% QoQ
|
-0.7% |
0.8%
+18.2% YoY
|
0.2%
-40.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 7.2% in tier |
| NIM |
3.0%
+5.2% YoY+1.5% QoQ
|
-0.6% |
3.6%
+6.7% YoY
|
4.1%
+4.6% YoY
|
3.8%
+5.1% YoY
|
19% |
| Efficiency Ratio |
98.5%
-12.5% YoY-11.5% QoQ
|
+21.5% |
77.0%
-3.1% YoY
|
80.6%
-3.1% YoY
|
79.7%
-3.3% YoY
|
Top 2.7% in tier |
| Delinquency Rate |
0.7%
+19.6% YoY+20.1% QoQ
|
-0.2 |
0.9%
+4.2% YoY
|
2.1%
-15.0% YoY
|
1.3%
-2.1% YoY
|
46% |
| Loan To Share |
76.4%
+1.3% YoY-0.4% QoQ
|
+4.1% |
72.2%
-1.1% YoY
|
75.9%
+1.0% YoY
|
67.4%
-1.7% YoY
|
54% |
| AMR |
$21,314
+6.9% YoY+0.3% QoQ
|
$-3K |
$24,676
+3.4% YoY
|
$17,588
+4.6% YoY
|
$19,687
+2.0% YoY
|
42% |
| CD Concentration |
16.0%
+3.2% YoY+3.9% QoQ
|
-8.5% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % |
15.3%
-20.9% YoY-5.5% QoQ
|
+1.5% | 13.8% | 5.1% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)