Self-Help Federal Credit Union Durham, North Carolina
Self-Help Federal Credit Union is a federal credit union headquartered in Durham, NC, established in 2008 (NCUA charter 24802), and it is regulated and insured by the NCUA. At Q2 2026 it reported 146,774 members and total assets of $2.41B (up 5.8% from Q2 2025), the 6th largest of 56 credit unions headquartered in North Carolina. Its net worth ratio was 25.18% at Q2 2026, in the well capitalized band.
Also written as Self-Help FCU · Trade name filed with the NCUA: Seaway, a div of SHFCU
BankRegReports is independent of Self-Help Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 24802
- Headquarters
- Durham, NC
- Established
- 2008
- Total assets, Q2 2026
- $2.41B
- Assets vs Q2 2025
- +5.8%
- Members, Q2 2026
- 146,774
- Net worth ratio, Q2 2026
- 25.18%
- Latest call report
- Q2 2026, NCUA 5300 · Self-Help Federal Credit Union call report
- Asset rank in state
- 6th of 56 in North Carolina
- Routing number
- 053185613
- Branches
- 47
It has 16,734 more members than on June 30, 2025 (+12.9%). Its net worth ratio was down 1.82 percentage points from 27.00% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $1.33B of $1.59B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.01% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 25.18% net worth ratio is above that band's 10.89% median.
Credit unions merged into Self-Help Federal Credit Union
Cencap Federal Credit Union (2025) · Northeast Family Federal Credit Union (2025) · Shaw University Federal Credit Union (2024) · Premier Community Credit Union (2022) · Lower Valley Credit Union (2021) · Family Federal Credit Union (2016) · Community Trust Federal Credit Union (2016) · Butte Federal Credit Union (2014)
Frequently asked about Self-Help Federal Credit Union
How big is Self-Help Federal Credit Union?
At Q2 2026 it reported total assets of $2.41B and 146,774 members.
Where is Self-Help Federal Credit Union headquartered?
It is headquartered in Durham, NC, United States.
When was Self-Help Federal Credit Union founded?
It was established in 2008, per NCUA records.
Is Self-Help Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 24802): 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 Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Self-Help Federal Credit Union well capitalized?
Its net worth ratio was 25.18% 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 Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.01% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Self-Help Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 90.67% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Durham, NC 27701
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 2008
- NCUA Charter #
- 24802
- RSSD ID
- 3805055
- Members
- 146,774
- Potential members
- 1,125,000
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 1 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 25.18% | 10.89% | over 90th top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.59% | 0.89% | 25th below |
| Return on equity Middle half of peers: 5.37% to 10.92% | 2.35% | 8.07% | under 10th bottom |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.40% | 3.45% | 47th below |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 82.32% | 70.59% | 10th bottom |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.77% | 1.68% | 43rd below |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 1.01% | 0.68% | 27th below |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.16% | 5.12% | 53rd position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 90.67% | 88.03% | 59th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$2.41B total assets against $2.28B; $1.75B total shares and deposits against $1.61B; $1.59B total loans against $1.56B.
$606.6M net worth against $616.9M.
25.18% net worth ratio against 27.00%.
90.67% loan-to-share ratio against 96.72%.
1.01% delinquency ratio against 1.20%.
0.59% return on assets against 1.09%; 2.35% return on equity against 4.03%.
3.40% net interest margin against 3.40%.
146,774 members against 130,040.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 25.18% | 0.59% | 1.01% | 90.67% |
| March 31, 2026 | 25.90% | 0.14% | 0.69% | 91.52% |
| December 31, 2025 | 26.06% | 0.97% | 0.87% | 93.16% |
| September 30, 2025 | 26.53% | 1.16% | 1.09% | 93.59% |
| June 30, 2025 | 27.00% | 1.09% | 1.20% | 96.72% |
| March 31, 2025 | 27.78% | 0.45% | 0.37% | 100.50% |
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.
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.