Compared with North Carolina
6 of 15
compared fees are above the median.
3 below, 6 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
65th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the North Carolina median
of 15 compared; 3 below, 6 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for Piedmont Advantage Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | NCUA 5300 call report Account 010 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Revenue | Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 115 + Account 117 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee income | Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 131 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee-income share of revenue | Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Year to date through the quarter. Median and percentile from each of 569 credit unions with $300M to $1B in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the North Carolina median | Published fees above the North Carolina median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Piedmont Advantage Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 2, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 9.6% of revenue, above the 7.9% median of 569 credit unions with $300M to $1B in assets (65th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $492K in Q2 2026, 2.6% below the same quarter a year earlier ($505K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
6 of 15 compared published fees sit above the North Carolina median; 3 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with North Carolina medians for fees published by banks and credit unions.
Non-Network ATM
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for North Carolina, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 9.4% from Q3 2025 to Q2 2026, to $492K. Its share of revenue, 9.6%, is above the 7.9% median for credit unions with $300M to $1B in assets.
$492K
Piedmont Advantage Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 569 credit unions with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Piedmont Advantage Credit Union · $368M in assets
The 25 credit unions closest in assets
Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Piedmont Advantage Credit Union(this institution) | Winston Salem, NC | $368M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Aero Federal Credit Union | Glendale, AZ | $364M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Affidian Federal Credit Union | Denver, CO | $360M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Allegiance Federal Credit Union | Oklahoma City, OK | $372M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| C-Plant Federal Credit Union | Paducah, KY | $366M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cardinal Credit Union, Inc. | Mentor, OH | $366M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Class Act Federal Credit Union | Louisville, KY | $365M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Alliance Federal Credit Union | Rochester, MN | $358M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Capital Federal Credit Union | York, PA | $368M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Great Basin Federal Credit Union | Reno, NV | $373M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Great Northwest Federal Credit Union | Aberdeen, WA | $375M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| HUDSON RIVER COMMUNITY | Corinth, NY | $364M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Marshall Community Federal Credit Union | Marshall, MI | $372M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mass Bay Federal Credit Union | South Boston, MA | $367M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| My Federal Credit Union | Bloomington, MN | $366M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Panhandle Federal Credit Union | Panama City, FL | $368M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Pasadena Federal Credit Union | Pasadena, CA | $375M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Peopleschoice Federal Credit Union | Biddeford, ME | $367M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sharepoint Federal Credit Union | Bloomington, MN | $360M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Signal Financial Federal Credit Union | Kensington, MD | $364M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| St. Jean'S Federal Credit Union | lynn, MA | $373M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Summit Federal Credit Union | Greensboro, NC | $369M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Sunbelt Federal Credit Union | Hattiesburg, MS | $366M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| United Financial Federal Credit Union | Saginaw, MI | $360M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Waterbury Connecticut Teachers Federal Credit Union | Waterbury, CT | $365M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| West-Aircomm Federal Credit Union | Beaver, PA | $376M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5 among 14 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
Piedmont Advantage Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Piedmont Advantage Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $492K | +$9K | +1.9% |
| Q1 2026 | $483K | −$50K | −9.4% |
| Q4 2025 | $533K | −$10K | −1.8% |
| Q3 2025 | $543K | +$38K | +7.5% |
| Q2 2025 | $505K | −$29K | −5.4% |
| Q1 2025 | $534K | −$97K | −15.4% |
| Q4 2024 | $631K | −$141K | −18.3% |
| Q3 2024 | $772K | +$325K | +72.7% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Piedmont Advantage Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Piedmont Advantage Credit Union by share.
Amounts from Piedmont Advantage Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Escheatments (audience not stated, treated as personal) | $100Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactive Membership (no activity within 12 months) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Paper Statement | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | per item | None |
| Return Statement | $3Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Overdraft (OD) | $32Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft Advantage – Overdraft/NSF Fee | $32Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Insufficient Funds (NSF) Fee | $32Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM Usage (Non-Piedmont Advantage ATM) | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Plastic Card Replacement (Debit) | $20Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfer – Domestic (audience not stated, treated as personal) | $20Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
Check Services | |||
| Official Check with 3rd Party Payee (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Collection Item (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Foreign Check Fee | $50Above the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Check Copies | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Returned ACH Origination | $32Above the U.S. middle 50% ($19.75 to $30 nationally) | per item | None |
Account Services | |||
| Mortgage Subordination (audience not stated, treated as personal) | $100Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
| Verification of Deposit (VOD) | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Lending Fees | |||
| Real Estate Loans Late Payment (audience not stated, treated as personal) | 4% | Not stated | None |
Other Fees | |||
| Statement Copy (Quarterly/Monthly) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
vs. the U.S. middle 50%:BelowInsideAbove
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Inactive Membership (no activity within 12 months) | $10 | per month | None |
| Inactive Membership (no activity within 12 months) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Paper Statement | $3 | per item | None |
| Paper Statement | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | per item | None |
| Return Mail | $3Not compared: Per-item charge, not monthly | per item | None |
| Return Statement | $3Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Overdraft (OD) | $32Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft Advantage – Overdraft Fee | $32 | per item | None |
| Overdraft Advantage – Overdraft/NSF Fee | $32Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Insufficient Funds (NSF) Fee | $32 | per item | None |
| Insufficient Funds (NSF) Fee | $32Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM Usage (Non-Piedmont Advantage ATM) | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Plastic Card Replacement (Debit) | $20 | per item | None |
| Plastic Card Replacement (Debit) | $20Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfer – Domestic | $20 | per item | None |
| Wire Transfer – International | $35 | per item | None |
Check Services | |||
| Official Check with 3rd Party Payee | $5 | per item | None |
| Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment 1 | $25 | per item | None |
| Collection Item | $10 | per item | None |
| Foreign Check Fee | $50 | per item | None |
| Foreign Check Fee | $50Above the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Check Copies | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Check Copies 1 | $3 | per item | None |
Digital & Electronic | |||
| Returned ACH Origination | $32Above the U.S. middle 50% ($19.75 to $30 nationally) | per item | None |
Account Services | |||
| Mortgage Subordination | $100 | Not stated | None |
| Verification of Deposit (VOD) | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Verification of Deposit (VOD) | $10 | per item | None |
Lending Fees | |||
| Real Estate Loans Late Payment | 4% | Not stated | None |
Other Fees | |||
| Duplicate Statement Copy (Quarterly / Monthly) | $3 | per item | None |
| Statement Copy (Quarterly/Monthly) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Nov 2, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Piedmont Advantage Credit Union operates, and what regulators and customers have on file.
Branch footprint
6 offices in 1 state (June 30, 2026)
Each dot is one office.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Winston Salem, NC | 2 |
| Charlotte, NC | 1 |
| Eden, NC | 1 |
| Greensboro, NC | 1 |
| Mooresville, NC | 1 |
Largest competitors nearby
Local market: Forsyth and Davidson counties, NC, around its headquarters.
| 27 in its local market | Deposit share |
|---|---|
| Truist Bank | 28.5% |
| Wells Fargo Bank, National Association | 18.7% |
| Pinnacle Bank | 9.3% |
| First National Bank of Pennsylvania | 8% |
| Bank of America, National Association | 7% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.