PIEDMONT ADVANTAGE CREDIT UNION

Charter #60160 | NC

100M-500M (1077 CUs) Micro
12 100M-500M in NC

PIEDMONT ADVANTAGE CREDIT UNION has 3 strengths but faces 11 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 5.3% in tier
  • + Wallet Share Momentum: Top 10.3% 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
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
 Bottom 18.8% in tier
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
 41st in tier
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
 55th in tier
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
 44th in tier
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
 50th in tier
Indirect Auto % 16.2%
-21.1% YoY-7.5% QoQ
 +2.3% 14.0%
-5.8% YoY
 5.3%
-2.9% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#148 of 1006 • Top 5.3% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 6.86%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.3K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#285 of 1006 • Top 10.3% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 6.86%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 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 is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: -0.53%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -7.22%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $21.3K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 15.36%
(Tier: 24.41%, National: 19.60%)
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: 13.96%, 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)

Comparing against 1077 peers in tier

Top Strengths (7 metrics)

97
Total Members
engagement
Value: 28,287
Peer Avg: 15,628
#97 of 1077 Top 8.9% in 100M-500M tier
124
Total Deposits
balance_sheet
Value: $340.37M
Peer Avg: $200.29M
#124 of 1077 Top 11.4% in 100M-500M tier
128
Total Loans
balance_sheet
Value: $260.93M
Peer Avg: $147.80M
#128 of 1077 Top 11.8% in 100M-500M tier
137
Total Assets
balance_sheet
Value: $385.85M
Peer Avg: $231.30M
#137 of 1077 Top 12.6% in 100M-500M tier
153
Net Charge-Off Rate
risk
Value: 0.09%
Peer Avg: 0.47%
#153 of 1077 Top 14.1% in 100M-500M tier
226
AMR Growth Rate
growth
Value: 6.86%
Peer Avg: 3.64%
#226 of 1077 Top 20.9% in 100M-500M tier
253
Share Certificate Concentration (%)
balance_sheet
Value: 15.36%
Peer Avg: 23.61%
#253 of 1077 Top 23.4% in 100M-500M tier

Top Weaknesses (8 metrics)

1070
Efficiency Ratio
profitability
Value: 111.24%
Peer Avg: 77.28%
#1070 of 1077 Bottom 0.7% in 100M-500M tier
1056
Return on Assets (ROA)
profitability
Value: -0.53%
Peer Avg: 0.79%
#1056 of 1077 Bottom 2.0% in 100M-500M tier
1036
Net Worth Ratio
risk
Value: 7.97%
Peer Avg: 12.15%
#1036 of 1077 Bottom 3.9% in 100M-500M tier
1017
Member Growth Rate
growth
Value: -7.22%
Peer Avg: 0.72%
#1017 of 1077 Bottom 5.7% in 100M-500M tier
973
First Mortgage Concentration (%)
balance_sheet
Value: 54.21%
Peer Avg: 30.43%
#973 of 1077 Bottom 9.7% in 100M-500M tier
970
Deposit Growth Rate
growth
Value: -1.74%
Peer Avg: 4.69%
#970 of 1077 Bottom 10.0% in 100M-500M tier
940
Asset Growth Rate
growth
Value: -1.36%
Peer Avg: 4.70%
#940 of 1077 Bottom 12.8% in 100M-500M tier
875
Net Interest Margin (NIM)
profitability
Value: 2.97%
Peer Avg: 3.58%
#875 of 1077 Bottom 18.8% in 100M-500M tier