Self-Help Credit Union
Total assets
$2.15B
▲ +5.4% YoY
Shares & deposits
$1.57B
▲ +5.4% YoY
Loans
$1.90B
▲ +8.1% YoY
Members
100,933
▲ +2.3% YoY
ROA (annualized)
0.78%
peers 0.71%
ROE (annualized)
3.21%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | Self-Help Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.4% | +5.1% | +0.3 pts |
| Share growth (YoY) | +5.4% | +4.9% | +0.5 pts |
| Loan growth (YoY) | +8.2% | +5.4% | +2.7 pts |
| ROA | 0.78% | 0.71% | +0.1 pts |
| ROE | 3.2% | 6.3% | -3.1 pts |
ROA ranks in the 57th percentile of its peer group · Q1 2026
Profile
- Established
- 1983
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 301 W. Main St, Durham, NC, 27701
- NCUA charter #
- 66258
- RSSD ID
- 896191
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.15B | $1.57B | $1.90B | $523.9M | $4.2M | 0.78% | 3.54% | 1.84% | 100,933 |
| Q4 2025 | $2.16B | $1.60B | $1.90B | $519.7M | $25.9M | 1.20% | 3.59% | 1.86% | 99,599 |
| Q3 2025 | $2.15B | $1.59B | $1.87B | $522.1M | $18.7M | 1.16% | 3.57% | 2.00% | 100,668 |
| Q2 2025 | $2.09B | $1.54B | $1.86B | $511.1M | $7.7M | 0.74% | 3.60% | 1.89% | 105,323 |
| Q1 2025 | $2.04B | $1.49B | $1.76B | $506.4M | $2.7M | 0.53% | 3.54% | 0.97% | 98,652 |
| Q4 2024 | $1.98B | $1.43B | $1.66B | $497.7M | $20.2M | 1.02% | 3.10% | 1.14% | 89,658 |
| Q3 2024 | $1.86B | $1.33B | $1.64B | $500.8M | $13.4M | 0.96% | 3.23% | 1.06% | 89,275 |
| Q2 2024 | $1.81B | $1.26B | $1.58B | $499.3M | $11.9M | 1.32% | 3.39% | 1.01% | 89,125 |
Loan mix (Q1 2026): real estate $1.41B · commercial $403.4M · consumer $57.6M · securities $19.0M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Self-Help Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.78% | 0.71% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 3.2% | 6.3% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.32% | 65th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.0% | 73.0% | 50th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Self-Help Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Self-Help Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Self-Help Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Self-Help Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar credit unions
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