Federal credit union · Durham, North Carolina · NCUA charter #24802
SELF-HELP
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $2.39B
- Total assets
- 145,945
- Members
- 25.9%
- Net-worth ratio
SELF-HELP scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.39B; members 145,945; net-worth ratio 25.90%; health rank #305 of 4,374; healthier than 90th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#305 of 4,374 health · 2025Q4SELF-HELP · health 95/100 · $2.39B · 2025Q4
- ASSETS 95/100
- MEM 25.9%
- RANK 0.87%
- PHOTO 0.89%
- BOOK $2.39B
- CHARTER 145,945
- NCUSIF #305/4,374
- CAMELS BARKSDALE
- HEALTH 24802
Call Report peers
SELF-HELP in the assets neighbourhood
SELF-HELP's $2.39B assets sit next to BARKSDALE ($2.39B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
SELF-HELP vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
SELF-HELP - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #24802, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for SELF-HELP
- Net Worth Ratio leads the peer set - 25.90% here, 11.18% peer average (+14.72 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
North Carolina standing for SELF-HELP
- North Carolina health ordinal: #3 of 57.
- Assets rank #6 of 57 inside North Carolina ($2.39B reported).
- North Carolina membership ordinal: #6 of 57.
In-state ordinals use the live credit_unions table for NC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for SELF-HELP
SELF-HELP: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.8% from $2.39B (2025Q4) to $2.41B (2026Q1).
- Net-worth ratio shifted -0.16 pp (26.06% → 25.90%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
25.90% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 95/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.3 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 13.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 25.90% | +14.72 pp |
| Delinquency Rate | 0.87% | -0.00 pp |
| Return on Assets | 0.89% | +0.38 pp |
| Member Growth | 18.80% | - |
| Loan-to-Share Ratio | 93.16% | +9.26 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.41B | - |
| 2025Q4 | $2.39B | 145,945 |
| 2024Q4 | $2.13B | 122,852 |
| 2023Q4 | $2.09B | 100,997 |
Credit Union Details
- Charter Number
- 24802
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Over $500M
- State
- North Carolina
- City
- Durham
- Data Quarter
- 2025Q4
Branch Locations (47)
SELF-HELP operates 47 offices across 38 cities, spanning 7 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Durham (Main Office) | Durham, NC |
| Bakersfield | Bakersfield, CA |
| Biggs | Biggs, CA |
| Little Village | Chicago, IL |
| Archer Heights | Chicago, IL |
| Bronzeville | Chicago, IL |
| Chatham | Chicago, IL |
| Roseland | Chicago, IL |
| Chico | Chico, CA |
| Cicero | Cicero, IL |
| Columbia | Columbia, SC |
| Crestwood | Crestwood, IL |
| East Wenatchee | E Wenatchee, WA |
| Fresno | Fresno, CA |
| Grandview | Grandview, WA |
| Greenville - Turbine | Greenville, SC |
| Greenville-Mills | Greenville, SC |
| Greenville-Woodruff | Greenville, SC |
| Hartford-Franklin Ave | Hartford, CT |
| Hartford-Main St | Hartford, CT |
| Lamont | Lamont, CA |
| Lodi | Lodi, CA |
| Los Angeles | Los Angeles, CA |
| Manchester | Manchester, CT |
| Manteca | Manteca, CA |
| Milwaukee (Midtown) | Milwaukee, WI |
| Milwaukee (Southgate) | Milwaukee, WI |
| Modesto | Modesto, CA |
| Napa | Napa, CA |
| North Windham | North windham, CT |
| Oak Park | Oak Park, IL |
| Oakland | Oakland, CA |
| Oakland HQ | Oakland, CA |
| Pasco | Pasco, WA |
| Pittsburg | Pittsburg, CA |
| Porterville | Porterville, CA |
| Riverbank | Riverbank, CA |
| Sacramento | Sacramento, CA |
| San Diego | San Diego, CA |
| Mission | San Francisco, CA |
| San Jose | San Jose, CA |
| Stockton | Stockton, CA |
| Summerville | Summerville, SC |
| Sunnyside | Sunnyside, WA |
| Vallejo | Vallejo, CA |
| Wilmington | Wilmington, CA |
| Yakima | Yakima, WA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Carolina
Other federally-insured credit unions in North Carolina, closest first by peer group and asset size.
SELF-HELP nationwide neighbourhoods
Two NCUA Call Report peer sets for SELF-HELP, both outside North Carolina so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.39B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
Using this data
- SELF-HELP ranks #305 of 4,374 nationally on financial health and #3 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ALLEGACY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ALLEGACY
- Rates and health both vary by institution, not just by state -- see how North Carolina credit unions compare overall before assuming this one is typical. North Carolina state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is SELF-HELP financially healthy?
SELF-HELP scores 95/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #305 of 4,374; by total assets it ranks #220 of 4,374 nationally (same basis as /rankings/largest); and #6 of 57 within North Carolina. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 25.90% net worth ratio and a 0.87% delinquency rate.
How does SELF-HELP compare to other credit unions?
PlainCU's health composite puts SELF-HELP at 95/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join SELF-HELP?
SELF-HELP operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact SELF-HELP directly for the exact boundaries and application steps.
Is my money safe at SELF-HELP?
Federal credit unions like SELF-HELP are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. SELF-HELP's net worth ratio of 25.90% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SELF-HELP offer compared to banks?
Credit unions like SELF-HELP are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact SELF-HELP directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.