Headquartered in Winston Salem, North Carolina, Piedmont Advantage Credit Union is a federally insured state-chartered credit union with $367.9M in total assets and $342.7M in member shares and deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1949.
Piedmont Advantage Credit Union has a TellerScore of 54 out of 100 (below average) based on Q2 2026 data — higher than only 10% of its 1,341 credit unions with $100 million – $1 billion. Among 57 credit unions headquartered in North Carolina, it ranks 46th. Problem-loan coverage contributes the most (92/100, 4.1%); earnings contributes the least (0/100, -0.51%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (52 → 54), mostly because the capital cushion component improved by 5 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 53 |
| Q3 2024 | 54 |
| Q4 2024 | 52 |
| Q1 2025 | 53 |
| Q2 2025 | 52 |
| Q3 2025 | 51 |
| Q4 2025 | 55 |
| Q1 2026 | 53 |
| Q2 2026 | 54 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.37% |
| Q3 2024 | 8.39% |
| Q4 2024 | 8.34% |
| Q1 2025 | 8.05% |
| Q2 2025 | 8.12% |
| Q3 2025 | 7.97% |
| Q4 2025 | 8.37% |
| Q1 2026 | 8.35% |
| Q2 2026 | 8.55% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.49% |
| Q3 2024 | 0.46% |
| Q4 2024 | 0.55% |
| Q1 2025 | 0.47% |
| Q2 2025 | 0.54% |
| Q3 2025 | 0.55% |
| Q4 2025 | 0.65% |
| Q1 2026 | 0.56% |
| Q2 2026 | 0.50% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.57% |
| Q3 2024 | -0.59% |
| Q4 2024 | -0.58% |
| Q1 2025 | -0.53% |
| Q2 2025 | -0.46% |
| Q3 2025 | -0.53% |
| Q4 2025 | 0.03% |
| Q1 2026 | -0.47% |
| Q2 2026 | -0.51% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 54 | $367.9M | 8.55% | 0.50% | -0.51% | 70.6% |
| Q1 2026 | 53 | $382.5M | 8.35% | 0.56% | -0.47% | 73.1% |
| Q4 2025 | 55 | $387.2M | 8.37% | 0.65% | 0.03% | 76.4% |
| Q3 2025 | 51 | $385.8M | 7.97% | 0.55% | -0.53% | 76.7% |
| Q2 2025 | 52 | $386.8M | 8.12% | 0.54% | -0.46% | 75.0% |
| Q1 2025 | 53 | $394.7M | 8.05% | 0.47% | -0.53% | 72.8% |
| Q4 2024 | 52 | $387.5M | 8.34% | 0.55% | -0.58% | 75.4% |
| Q3 2024 | 54 | $391.2M | 8.39% | 0.46% | -0.59% | 75.1% |
| Q2 2024 | 53 | $397.0M | 8.37% | 0.49% | -0.57% | 74.7% |
1,341 peers · $100 million – $1 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in North Carolina
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Summit Credit UnionCredit union Greensboro, NC | 82 out of 100, Strong | $368.8M | 15.4% | 0.71% | vs |
| Mountain Credit UnionCredit union Waynesville, NC | 70 out of 100, Strong | $372.4M | 11.2% | 0.67% | vs |
| Telco Community Credit UnionCredit union Candler, NC | 76 out of 100, Strong | $429.3M | 12.4% | 1.23% | vs |
| First Flight Federal Credit UnionCredit union Cary, NC | 71 out of 100, Strong | $283.8M | 11.1% | 0.66% | vs |
| Members Credit UnionCredit union Winston Salem, NC | 85 out of 100, Very strong | $477.1M | 14.8% | 0.82% | vs |
| Carolinas Telco Federal Credit UnionCredit union Charlotte, NC | 79 out of 100, Strong | $506.3M | 15.1% | 0.91% | vs |
Deposit insurance
Is my money safe at Piedmont Advantage Credit Union?
Yes. Piedmont Advantage Credit Union is a federally insured credit union (NCUA charter #60160). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 5.0% of shares and deposits ($17.2M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 8.55%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
6 locations
Branches
Piedmont Advantage Credit Union lists 6 offices in 5 cities. Most locations:
- Winston Salem, NC (2)
- Charlotte, NC (1)
- Eden, NC (1)
- Greensboro, NC (1)
- Mooresville, NC (1)
HMDA 2025
Mortgage lending
In 2025, Piedmont Advantage Credit Union reported 145 home-loan applications under HMDA (LEI 5493002BRQ8SVQPCV108): 83 originated ($7,165,000 total), 58 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 41.1%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Piedmont Advantage Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 60160
- RSSD ID
- 298599
- Primary regulator
- State + NCUA
- Established
- 1949
- Headquarters
- 3530 Advantage Way, Winston Salem, NC 27103
- Employees
- 93
Quick answers
Piedmont Advantage Credit Union: common questions
Is Piedmont Advantage Credit Union NCUA insured?
Yes. Piedmont Advantage Credit Union is a federally insured credit union (NCUA charter #60160). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Piedmont Advantage Credit Union's TellerScore?
54 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Piedmont Advantage Credit Union have?
6 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Winston Salem
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Members Credit UnionCredit union Winston Salem, NC | 85 out of 100, Very strong | $477.1M | 14.8% | 0.82% | vs |
| Summit Credit UnionCredit union Greensboro, NC | 82 out of 100, Strong | $368.8M | 15.4% | 0.71% | vs |
| The Fidelity BankBank Fuquay Varina, NC | 78 out of 100, Strong | $4.7B | 11.5% | 0.42% | vs |
| Piedmont Federal Savings BankBank Winston Salem, NC | 78 out of 100, Strong | $1.3B | 18.6% | 0.16% | vs |
| American Pride BankBank Macon, GA | 77 out of 100, Strong | $1.0B | 14.1% | 0.00% | vs |
| Bank OZKBank Little Rock, AR | 76 out of 100, Strong | $41.7B | 14.0% | 0.92% | vs |