Side-by-side · Q2 2026 data
The Fidelity Bank vs Piedmont Advantage Credit Union
Credit union
Piedmont Advantage Credit Union
Winston Salem, North Carolina · $100 million – $1 billion
Metric by metric
| Measure | The Fidelity Bank | Piedmont Advantage Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 54 |
| Capital cushion | 65 (stronger) | 36 |
| Loan quality | 86 (stronger) | 83 |
| Earnings | 89 (stronger) | 0 |
| Funding & liquidity | 65 | 90 (stronger) |
| Problem-loan coverage | 94 (stronger) | 92 |
| Peer percentile | 86th | 10th |
| Total assets | $4.7B | $367.9M |
| Deposits / shares | $4.2B | $342.7M |
| Capital ratio | 11.47% (stronger) | 8.55% |
| Problem loans | 0.42% (stronger) | 0.50% |
| Net charge-offs | 0.06% (stronger) | 0.07% |
| Return on assets | 1.73% (stronger) | -0.51% |
| Loans ÷ deposits | 69.2% (stronger) | 70.6% |
| Uninsured deposits | 38.2% | 5.0% (stronger) |
| Offices | 57 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.7% | 41.1% |
The Fidelity Bank has the higher TellerScore (78 vs 54). On the 7 directional measures above (where higher or lower is clearly better), The Fidelity Bank leads on 6 and Piedmont Advantage Credit Union on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.