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 8.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - ROA 1.19% below tier average
- - Efficiency ratio 31.57% above tier (higher cost structure)
- - Member decline: -6.2% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
27,779
-6.2% YoY-1.1% QoQ
|
+12.6K |
15,145
-2.5% YoY
|
91,843
+3.2% YoY
|
33,913
+5.7% YoY
|
Top 8.5% in tier |
| Assets |
$382.5M
-3.1% YoY-1.2% QoQ
|
+$150.8M |
$231.7M
+0.8% YoY
|
$1.6B
+7.7% YoY
|
$578.3M
+9.0% YoY
|
Top 13.5% in tier |
| Loans |
$251.8M
-1.5% YoY-2.9% QoQ
|
+$107.7M |
$144.1M
+0.2% YoY
|
$1.1B
+5.7% YoY
|
$402.4M
+8.7% YoY
|
Top 12.3% in tier |
| Deposits |
$344.4M
-1.9% YoY+1.4% QoQ
|
+$143.2M |
$201.1M
+0.4% YoY
|
$1.4B
+7.2% YoY
|
$494.3M
+9.1% YoY
|
Top 11.1% in tier |
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| ROA |
-0.5%
-13.5% YoY
|
-1.2% |
0.7%
+5.1% YoY
|
0.4%
+21.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 3.4% in tier |
| NIM |
3.0%
+3.9% YoY-1.2% QoQ
|
-0.7% |
3.6%
+4.6% YoY
|
4.0%
+0.2% YoY
|
3.8%
+4.1% YoY
|
15% |
| Efficiency Ratio |
109.6%
-3.0% YoY+11.3% QoQ
|
+31.6% |
78.0%
-1.7% YoY
|
84.1%
+2.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 1.3% in tier |
| Delinquency Rate |
0.6%
+21.2% YoY-13.9% QoQ
|
-0.2 |
0.8%
+7.1% YoY
|
1.3%
-24.7% YoY
|
1.2%
+3.4% YoY
|
46% |
| Loan To Share |
73.1%
+0.4% YoY-4.2% QoQ
|
+2.7% |
70.4%
-0.4% YoY
|
74.3%
+0.8% YoY
|
65.6%
-1.4% YoY
|
52% |
| AMR |
$21,462
+4.7% YoY+0.7% QoQ
|
$-3K |
$24,918
+2.7% YoY
|
$17,856
+2.9% YoY
|
$19,920
+1.6% YoY
|
41% |
| CD Concentration |
16.2%
+11.4% YoY+1.3% QoQ
|
-8.1% | 24.3% | 21.2% | 19.8% | 50% |
| Indirect Auto % |
14.2%
-23.6% YoY-7.0% QoQ
|
+0.4% | 13.8% | 4.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (5)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)