D
Piedmont Advantage Credit Union
Rating Date
July 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Piedmont Advantage Credit Union
Winston-Salem, NC
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Rating D
Asset Quality Index 7.70
Capitalization Index 2.90
Liquidity Index 3.50
Profitability Index 0.30
Stability Index 1.60
Company Info Piedmont Advantage Credit Union
Winston-Salem, NC
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NCUA Charter Number 4192
Phone Number (336) 776-1700
Website www.pacu.com
Asset Quality Piedmont Advantage Credit Union
Winston-Salem, NC
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1-Year Asset Growth 1.09%
5-Year Asset Growth 2.22%
5-Year Charge-Offs to Average Loans 0.36%
Charge-Offs to Average Loans -0.20%
Non-Performing Assets to Assets 0.30%
Non-Performing Loans to Capital 5.62%
Non-Performing Loans to Loans 0.47%
Balance Sheet Piedmont Advantage Credit Union
Winston-Salem, NC
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Total Assets 394.67M
Total Deposits 351.17M
Capital and Reserves Piedmont Advantage Credit Union
Winston-Salem, NC
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Capital 20.64M
Leverage Ratio 8.05
Loan Loss Reserves to Loans 0.21%
Liquidity Piedmont Advantage Credit Union
Winston-Salem, NC
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Hot Money Ratio 7.30%
Liquidity Ratio 15.43%
Profitability Piedmont Advantage Credit Union
Winston-Salem, NC
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5-Year Return on Average Assets -0.22%
Net Income -526.00K
Net Interest Spread 3.40%
Operating Profit to Average Assets -0.53%
Overhead Efficiency Ratio 112.92%
Return on Assets -0.54%
Return on Equity -10.48%