Credit Union Safety Analysis
Is Self-Help Credit Union Safe? Durham, North Carolina
Based on its Q2 2026 NCUA 5300 call report, Self-Help Credit Union has a net worth ratio of 24.51%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.97%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Self-Help Credit Union's net worth ratio is 24.51%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 24.51%
- Delinquency ratio (60+ days) (Q2 2026): 1.97%
- Return on assets (Q2 2026): 1.53%
- Loan-to-share ratio (Q2 2026): 120.63%
Self-Help Credit Union (NCUA charter 66258, established 1983) reported $2.17B in assets and 101,911 members for Q2 2026 from Durham, North Carolina. It ranks 7 of 56 credit unions in North Carolina by total assets. Total assets grew 3.8% from $2.09B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 24.34% for Q1 2026; 24.33% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 1.84% for Q1 2026; 1.89% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.78% for Q1 2026; 0.95% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 120.80% for Q1 2026; 120.92% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $1.42B
- Commercial loans: $408.6M
- Used vehicle loans: $28.6M
- Other unsecured loans and lines of credit: $17.1M
- Non-federally guaranteed student loans: $15.4M
- Other secured non-real estate loans and lines of credit: $12.4M
- New vehicle loans: $6.9M
- Unsecured credit card loans: $5.0M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.17B | 24.51% | 1.97% | 1.53% | 120.63% |
| March 31, 2026 | $2.15B | 24.34% | 1.84% | 0.78% | 120.80% |
| December 31, 2025 | $2.16B | 24.04% | 1.86% | 1.34% | 118.55% |
| September 30, 2025 | $2.15B | 24.23% | 2.00% | 2.05% | 117.91% |
| June 30, 2025 | $2.09B | 24.33% | 1.89% | 0.95% | 120.92% |
| March 31, 2025 | $2.04B | 24.69% | 0.97% | 0.53% | 117.73% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Self-Help Credit Union profile
Regulator records: NCUA credit union profile (charter 66258) · FFIEC NIC profile (RSSD 896191)
Frequently asked questions
Is Self-Help Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Self-Help Credit Union's net worth ratio is 24.51%, above the 7% NCUA threshold for well capitalized.
Is Self-Help Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Self-Help Credit Union is a federally insured credit union (NCUA charter 66258): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Self-Help Credit Union's key safety ratios?
For Q2 2026, Self-Help Credit Union reports net worth 24.51%, delinquency 1.97%, ROA 1.53%, loan-to-share 120.63%.
What happens to my money if Self-Help Credit Union fails?
For Q2 2026, Self-Help Credit Union held $1.59B in shares and deposits for 101,911 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.