Self-Help Credit Union Durham, North Carolina
Self-Help Credit Union is a state-chartered credit union headquartered in Durham, NC, established in 1983 (NCUA charter 66258), and it is regulated and insured by the NCUA. At Q2 2026 it reported 101,911 members and total assets of $2.17B (up 3.8% from Q2 2025), the 7th largest of 56 credit unions headquartered in North Carolina. Its net worth ratio was 24.51% at Q2 2026, in the well capitalized band.
Also written as Self-Help CU
BankRegReports is independent of Self-Help Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 66258
- Headquarters
- Durham, NC
- Established
- 1983
- Total assets, Q2 2026
- $2.17B
- Assets vs Q2 2025
- +3.8%
- Members, Q2 2026
- 101,911
- Net worth ratio, Q2 2026
- 24.51%
- Latest call report
- Q2 2026, NCUA 5300 · Self-Help Credit Union call report
- Asset rank in state
- 7th of 56 in North Carolina
- Routing number
- 253184841
- Branches
- 37
It has 3,412 fewer members than on June 30, 2025 (-3.2%). Its net worth ratio was up 0.18 percentage points from 24.33% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $1.42B of $1.92B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.97% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 24.51% net worth ratio is above that band's 10.89% median.
Credit unions similar in size in North Carolina
Credit unions merged into Self-Help Credit Union
Alliance Credit Union of Florida (2025) · Winston-Salem Federal Credit Union (2025) · First Legacy Community Credit Union (2020) · Turbine Federal Credit Union (2019) · Communityworks FCU (2018) · Palmetto Trust Federal Credit Union (2018) · Jax Metro Credit Union (2017) · Greater Piedmont Credit Union (2016)
Frequently asked about Self-Help Credit Union
How big is Self-Help Credit Union?
At Q2 2026 it reported total assets of $2.17B and 101,911 members.
Where is Self-Help Credit Union headquartered?
It is headquartered in Durham, NC, United States.
When was Self-Help Credit Union founded?
It was established in 1983, per NCUA records.
Is Self-Help Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 66258): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Self-Help Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Self-Help Credit Union well capitalized?
Its net worth ratio was 24.51% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Self-Help Credit Union's delinquency ratio?
Its delinquency ratio was 1.97% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Self-Help Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 120.63% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Durham, NC 27701
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1983
- NCUA Charter #
- 66258
- RSSD ID
- 896191
- Members
- 101,911
- Potential members
- 5,334,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 24.51% | 10.89% | over 90th top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.53% | 0.89% | 86th top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 6.25% | 8.07% | 33rd below |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.71% | 3.45% | 69th above |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 64.10% | 70.59% | 72nd above |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.67% | 1.68% | 51st above |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 1.97% | 0.68% | under 10th bottom |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.38% | 5.12% | 70th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 120.63% | 88.03% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$2.17B total assets against $2.09B; $1.59B total shares and deposits against $1.54B; $1.92B total loans against $1.86B.
$532.2M net worth against $511.1M.
24.51% net worth ratio against 24.33%.
120.63% loan-to-share ratio against 120.92%.
1.97% delinquency ratio against 1.89%.
1.53% return on assets against 0.95%; 6.25% return on equity against 3.89%.
3.71% net interest margin against 3.75%.
101,911 members against 105,323.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 24.51% | 1.53% | 1.97% | 120.63% |
| March 31, 2026 | 24.34% | 0.78% | 1.84% | 120.80% |
| December 31, 2025 | 24.04% | 1.34% | 1.86% | 118.55% |
| September 30, 2025 | 24.23% | 2.05% | 2.00% | 117.91% |
| June 30, 2025 | 24.33% | 0.95% | 1.89% | 120.92% |
| March 31, 2025 | 24.69% | 0.53% | 0.97% | 117.73% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
Loans outstanding exceed total member shares (deposits). The credit union is funding the gap with borrowings or non-member sources that are more rate-sensitive and less stable than core member deposits. Industry heuristic, not a supervisory threshold.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.