Piedmont Advantage Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.6 on a scale of 0 to 10).
Other Rating Factors:
Fair current capitalization (3.1 on a scale of 0 to 10) based on a net capital to total assets of 5.3 and a net worth ratio of 0.0. Fair liquidity 3.2, driven by a liquidity ratio of 12.1 percent and a “hot money” ratio of 7.6 percent.
Asset Mix:
Home mtgs (35%), consumer loans (24%), other (41%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
3530 Advantage Way
Winston-Salem, NC 27103
Winston-Salem, NC 27103
Phone Number
(336) 776-1700
NCUA Charter Number
Website
Largest Competitors
Winston-Salem, NC
Winston-Salem, NC
Winston-Salem, NC
Winston-Salem, NC
Winston-Salem, NC