BlastPoint's Credit Union Scorecard
PIEDMONT ADVANTAGE CREDIT UNION
Charter #60160 · NC
PIEDMONT ADVANTAGE CREDIT UNION has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Members: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.37% below tier average
- - Efficiency ratio 33.24% above tier (higher cost structure)
- - Member decline: -6.6% YoY
- - Asset Growth Rate: Bottom 2.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 13 that size in North Carolina.
- Shares and deposits -0.4% year over year ($343M in shares and deposits).
- Membership: 27,002 members, -6.6% vs a year ago.
- Delinquency rate 0.50%.
- Return on assets 0.50%.
- Efficiency ratio 109.97% vs a 76.73% peer average.
- Loan-to-share ratio 70.55% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
27,002
-6.6% YoY-2.8% QoQ
|
+11.8K |
15,168
-2.6% YoY
|
91,933
+2.2% YoY
|
34,678
+6.6% YoY
|
Top 9.6% in tier |
| Assets |
$367.9M
-4.9% YoY-3.8% QoQ
|
+$135.9M |
$232.0M
+0.7% YoY
|
$1.6B
+7.2% YoY
|
$593.1M
+10.2% YoY
|
85% |
| Loans |
$241.8M
-6.3% YoY-4.0% QoQ
|
+$95.5M |
$146.3M
+0.2% YoY
|
$1.1B
+5.6% YoY
|
$418.6M
+10.1% YoY
|
Top 14.7% in tier |
| Deposits |
$342.7M
-0.4% YoY-0.5% QoQ
|
+$142.0M |
$200.7M
+0.2% YoY
|
$1.4B
+7.1% YoY
|
$504.8M
+10.3% YoY
|
Top 11.2% in tier |
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| ROA |
0.5%
-210.0% YoY-206.6% QoQ
|
-0.4% |
0.9%
+12.5% YoY
|
0.9%
+189.6% YoY
|
1.2%
+121.4% YoY
|
27% |
| NIM |
3.1%
+5.0% YoY+2.9% QoQ
|
-0.6% |
3.7%
+4.5% YoY
|
4.0%
+0.2% YoY
|
3.8%
+2.3% YoY
|
16% |
| Efficiency Ratio |
110.0%
+0.3% YoY+0.3% QoQ
|
+33.2% |
76.7%
-0.8% YoY
|
83.1%
+0.7% YoY
|
83.0%
-5.3% YoY
|
Bottom 1.0% in tier |
| Delinquency Rate |
0.5%
-6.2% YoY-10.8% QoQ
|
-0.4 |
0.9%
+6.6% YoY
|
1.5%
+12.0% YoY
|
1.3%
+2.6% YoY
|
37% |
| Loan To Share |
70.6%
-5.9% YoY-3.5% QoQ
|
-1.0% |
71.5%
-0.3% YoY
|
74.9%
+0.0% YoY
|
66.4%
-1.4% YoY
|
45% |
| AMR |
$21,644
+3.9% YoY+0.8% QoQ
|
$-3K |
$25,107
+3.2% YoY
|
$17,976
+4.0% YoY
|
$20,028
-0.9% YoY
|
42% |
| CD Concentration |
16.5%
+10.5% YoY+2.2% QoQ
|
-8.0% | 24.6% | 21.4% | 20.0% | 50% |
| Indirect Auto % |
13.4%
-23.6% YoY-5.9% QoQ
|
-0.2% | 13.6% | 4.6% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)