Credit Union Safety Analysis
Is Self-Help Federal Credit Union Safe? Durham, North Carolina
Based on its Q2 2026 NCUA 5300 call report, Self-Help Federal Credit Union has a net worth ratio of 25.18%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.01%, 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 Federal Credit Union's net worth ratio is 25.18%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 25.18%
- Delinquency ratio (60+ days) (Q2 2026): 1.01%
- Return on assets (Q2 2026): 0.59%
- Loan-to-share ratio (Q2 2026): 90.67%
Self-Help Federal Credit Union (NCUA charter 24802, established 2008) reported $2.41B in assets and 146,774 members for Q2 2026 from Durham, North Carolina. It ranks 6 of 56 credit unions in North Carolina by total assets. Total assets grew 5.8% from $2.28B on June 30, 2025. 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.
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: 25.90% for Q1 2026; 27.00% 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: 0.69% for Q1 2026; 1.20% 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: 0.14% for Q1 2026; 1.09% 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: 91.52% for Q1 2026; 96.72% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $1.33B
- Commercial loans: $92.4M
- Used vehicle loans: $60.8M
- Other unsecured loans and lines of credit: $53.4M
- New vehicle loans: $18.2M
- Other secured non-real estate loans and lines of credit: $16.2M
- Unsecured credit card loans: $10.0M
- Non-federally guaranteed student loans: $7.3M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.41B | 25.18% | 1.01% | 0.59% | 90.67% |
| March 31, 2026 | $2.41B | 25.90% | 0.69% | 0.14% | 91.52% |
| December 31, 2025 | $2.39B | 26.06% | 0.87% | 0.97% | 93.16% |
| September 30, 2025 | $2.34B | 26.53% | 1.09% | 1.16% | 93.59% |
| June 30, 2025 | $2.28B | 27.00% | 1.20% | 1.09% | 96.72% |
| March 31, 2025 | $2.15B | 27.78% | 0.37% | 0.45% | 100.50% |
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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 Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24802) · FFIEC NIC profile (RSSD 3805055)
Frequently asked questions
Is Self-Help Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Self-Help Federal Credit Union's net worth ratio is 25.18%, above the 7% NCUA threshold for well capitalized.
Is Self-Help Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Self-Help Federal Credit Union is a federally insured credit union (NCUA charter 24802): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Self-Help Federal Credit Union's key safety ratios?
For Q2 2026, Self-Help Federal Credit Union reports net worth 25.18%, delinquency 1.01%, ROA 0.59%, loan-to-share 90.67%.
What happens to my money if Self-Help Federal Credit Union fails?
For Q2 2026, Self-Help Federal Credit Union held $1.75B in shares and deposits for 146,774 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.