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
Call Report peers
SELF-HELP in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); SELF-HELP sits in 95-99 with 391 others.
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
Peer-gap read for SELF-HELP
- Net Worth Ratio leads the peer set - 25.90% here, 11.18% peer average (+14.72 pp).
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.
- One place up in North Carolina, North Carolina Community (#2) scores 96/100, 1 point higher; one place down, Electel Cooperative (#4) ties at 95/100.
Quarter path for SELF-HELP
SELF-HELP: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.8% from $2.39B (2025Q4) to $2.41B (2026Q1).
- Net-worth ratio shifted -0.16 pp (26.06% → 25.90%).
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
SELF-HELP gives up 5 points in total. Delinquency Rate costs the most, 3.7 of its 25; Net Worth Ratio and Return on Assets and Member Growth score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is SELF-HELP financially healthy?
SELF-HELP has a financial health score of 95/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #305 of 4,374 nationally on health and #3 of 57 in North Carolina. Its net worth ratio is 25.90% and its delinquency rate 0.87%.
How does SELF-HELP compare to other credit unions?
SELF-HELP scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (25.90% vs 11.18%).
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?
SELF-HELP is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.