Side-by-side · Q2 2026 data
Piedmont Federal Savings Bank vs Piedmont Advantage Credit Union
Credit union
Piedmont Advantage Credit Union
Winston Salem, North Carolina · $100 million – $1 billion
Metric by metric
| Measure | Piedmont Federal Savings Bank | Piedmont Advantage Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 54 |
| Capital cushion | 100 (stronger) | 36 |
| Loan quality | 95 (stronger) | 83 |
| Earnings | 28 (stronger) | 0 |
| Funding & liquidity | 58 | 90 (stronger) |
| Problem-loan coverage | 99 (stronger) | 92 |
| Peer percentile | 86th | 10th |
| Total assets | $1.3B | $367.9M |
| Deposits / shares | $973.7M | $342.7M |
| Capital ratio | 18.60% (stronger) | 8.55% |
| Problem loans | 0.16% (stronger) | 0.50% |
| Net charge-offs | 0.00% (stronger) | 0.07% |
| Return on assets | 0.21% (stronger) | -0.51% |
| Loans ÷ deposits | 93.5% | 70.6% (stronger) |
| Uninsured deposits | 23.2% | 5.0% (stronger) |
| Offices | 10 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.6% | 41.1% |
Piedmont Federal Savings Bank has the higher TellerScore (78 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Piedmont Federal Savings Bank leads on 5 and Piedmont Advantage Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.