Piedmont Advantage Credit Union

Winston Salem, NC · 2 · Charter #60160 · www.pacu.com
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$387.2M
38th percentile
Members
28,097
49th percentile
Total loans
$259.3M
40th percentile
Total shares
$339.6M
41th percentile

Profitability

Return on assets
-0.18%
3th percentile
Net interest margin
3.01%
23th percentile
Efficiency ratio
81.75%
1th percentile
Non-interest income ratio
31.84%
95th percentile

Capital & Risk

Net worth ratio
8.37%
9th percentile
Delinquency rate
0.65%
55th percentile
Net charge-off rate
0.05%
95th percentile
Loan-to-share
76.36%
39th percentile

Growth

Member growth YoY
-7.48%
5th percentile
Asset growth YoY
-0.07%
13th percentile
Loan growth YoY
-0.40%
24th percentile
Share growth YoY
-1.69%
7th percentile

Operations

Members / branch
4,683
51th percentile
Assets / member
$13,780
27th percentile
Field of membership penetration
2.81%
37th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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