BlastPoint's Credit Union Scorecard

PIEDMONT ADVANTAGE CREDIT UNION

Charter #60160 · NC

1077 CUs in 100M-500M nationally 12 in NC

PIEDMONT ADVANTAGE CREDIT UNION has 2 strengths but faces 11 concerns

National Analysis

How does the industry compare?

NC Analysis

How does NC stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 59.2% in tier
+ Total Members: Top 8.9% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 4.0% in tier
- Efficiency Drag: Bottom 4.7% in tier
- Credit Quality Pressure: Bottom 20.7% in tier
- Stagnation Risk: Bottom 24.1% in tier
- Indirect Auto Dependency: Bottom 30.6% in tier
- ROA 1.31% below tier average
- Efficiency ratio 33.97% above tier (higher cost structure)
- Member decline: -7.2% YoY
- Net Worth Ratio: Bottom 3.9% in tier
- Member Growth Rate: Bottom 5.7% in tier
- First Mortgage Concentration (%): Bottom 9.7% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Members	28,287 -7.2% YoY-2.1% QoQ	+12.7K	15,628 -3.4% YoY	91,841 +6.6% YoY	33,089 +6.1% YoY	Top 9.0% in tier
Assets	$385.8M -1.4% YoY-0.3% QoQ	+$154.5M	$231.3M -0.0% YoY	$1.5B +5.5% YoY	$547.7M +7.8% YoY	Top 12.7% in tier
Loans	$260.9M +0.3% YoY+1.1% QoQ	+$113.1M	$147.8M -1.4% YoY	$1.1B +9.9% YoY	$388.7M +8.6% YoY	Top 11.9% in tier
Deposits	$340.4M -1.7% YoY-1.1% QoQ	+$140.1M	$200.3M -0.0% YoY	$1.3B +12.1% YoY	$464.6M +9.3% YoY	Top 11.5% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	-0.5% -10.0% YoY+17.0% QoQ	-1.3%	0.8% +15.5% YoY	0.4% -19.0% YoY	0.7% +273.4% YoY	Bottom 1.9% in tier
NIM	3.0% +6.1% YoY+1.8% QoQ	-0.6%	3.6% +6.9% YoY	4.1% +4.0% YoY	3.7% +5.0% YoY	19%
Efficiency Ratio	111.2% -2.1% YoY+1.5% QoQ	+34.0%	77.3% -3.0% YoY	81.5% -1.2% YoY	79.1% -3.3% YoY	Top 0.7% in tier
Delinquency Rate	0.5% +18.1% YoY+1.6% QoQ	-0.3	0.9% +7.6% YoY	1.5% +2.4% YoY	1.2% -0.9% YoY	41%
Loan To Share	76.7% +2.1% YoY+2.2% QoQ	+4.0%	72.7% -1.5% YoY	76.3% +1.1% YoY	68.0% -1.7% YoY	55%
AMR	$21,257 +6.9% YoY+2.0% QoQ	$-3K	$24,363 +2.9% YoY	$17,441 +4.0% YoY	$19,418 +1.3% YoY	44%
CD Concentration	15.4% -0.8% YoY+2.7% QoQ	-9.1%	24.4% +4.2% YoY	20.6% +2.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	16.2% -21.1% YoY-7.5% QoQ	+2.2%	14.0% -5.7% YoY	5.3% -2.9% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#285 of 481 • Top 59.2% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.86%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (5)

Membership Headwinds

decline

#66 of 550 • Bottom 4.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -7.22%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Efficiency Drag

risk

#84 of 521 • Bottom 4.7% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 111.24%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.06% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -7.22%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Credit Quality Pressure

risk

#513 of 736 • Bottom 20.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.08% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Stagnation Risk

risk

#397 of 550 • Bottom 24.1% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -7.22%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 0.34%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.55%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#492 of 525 • Bottom 30.6% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -1.36%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 16.22%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -7.22%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (7 metrics)

Total Members

engagement

Value: 28,287

Peer Avg: -

#97 of 1077 Top 8.9% in 100M-500M tier

124

Total Deposits

balance_sheet

Value: $340.37M

Peer Avg: -

#124 of 1077 Top 11.4% in 100M-500M tier

128

Total Loans

balance_sheet

Value: $260.93M

Peer Avg: -

#128 of 1077 Top 11.8% in 100M-500M tier

137

Total Assets

balance_sheet

Value: $385.85M

Peer Avg: -

#137 of 1077 Top 12.6% in 100M-500M tier

153

Net Charge-Off Rate

risk

Value: 0.09%

Peer Avg: -

#153 of 1077 Top 14.1% in 100M-500M tier

226

AMR Growth Rate

growth

Value: 6.86%

Peer Avg: -

#226 of 1077 Top 20.9% in 100M-500M tier

253

Share Certificate Concentration (%)

balance_sheet

Value: 15.36%

Peer Avg: -

#253 of 1077 Top 23.4% in 100M-500M tier

Top Weaknesses (8 metrics)

1070

Efficiency Ratio

profitability

Value: 111.24%

Peer Avg: -

#1070 of 1077 Bottom 0.7% in 100M-500M tier

1056

Return on Assets (ROA)

profitability

Value: -0.53%

Peer Avg: -

#1056 of 1077 Bottom 2.0% in 100M-500M tier

1036

Net Worth Ratio

risk

Value: 7.97%

Peer Avg: -

#1036 of 1077 Bottom 3.9% in 100M-500M tier

1017

Member Growth Rate

growth

Value: -7.22%

Peer Avg: -

#1017 of 1077 Bottom 5.7% in 100M-500M tier

973

First Mortgage Concentration (%)

balance_sheet

Value: 54.21%

Peer Avg: -

#973 of 1077 Bottom 9.7% in 100M-500M tier

970

Deposit Growth Rate

growth

Value: -1.74%

Peer Avg: -

#970 of 1077 Bottom 10.0% in 100M-500M tier

940

Asset Growth Rate

growth

Value: -1.36%

Peer Avg: -

#940 of 1077 Bottom 12.8% in 100M-500M tier

875

Net Interest Margin (NIM)

profitability

Value: 2.97%

Peer Avg: -

#875 of 1077 Bottom 18.8% in 100M-500M tier