State credit union · DURHAM, North Carolina · NCUA charter #66258
SELF-HELP
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $2.16B
- Total assets
- 99,599
- Members
- 24.3%
- Net-worth ratio
SELF-HELP scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.16B; members 99,599; net-worth ratio 24.34%; health rank #3,042 of 4,374; healthier than 28th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,042 of 4,374 health · 2025Q4SELF-HELP · health 77/100 · $2.16B · 2025Q4
- PHOTO 77/100
- BOOK 24.3%
- CHARTER 1.86%
- NCUSIF 0.94%
- CAMELS $2.16B
- HEALTH 99,599
- NW #3,042/4,374
- DELQ WESTCONSIN
- ROA 66258
Call Report peers
SELF-HELP in the assets neighbourhood
SELF-HELP's $2.16B assets sit next to WESTCONSIN ($2.16B) 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
77 28th percentile higher than 28% 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
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #66258. See our deposit-insurance coverage note.
Where SELF-HELP diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 118.55% vs peer 83.90% (+34.65 pp).
- Widest shortfall vs peers is Delinquency Rate: +0.99 pp (1.86% vs 0.87%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where SELF-HELP sits in North Carolina
- North Carolina health ordinal: #35 of 57.
- Assets rank #7 of 57 inside North Carolina ($2.16B reported).
- Membership ranks #9 of 57 among North Carolina CUs with a reported count (99,599 members).
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 -0.4% from $2.16B (2025Q4) to $2.15B (2026Q1).
- Net-worth ratio shifted +0.30 pp (24.04% → 24.34%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 24.34%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 77/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 13.6 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 3.4 pts
SELF-HELP vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 24.34% | +13.16 pp |
| Delinquency Rate | 1.86% | +0.99 pp |
| Return on Assets | 0.94% | +0.43 pp |
| Member Growth | 11.09% | - |
| Loan-to-Share Ratio | 118.55% | +34.65 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).
SELF-HELP quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.15B | - |
| 2025Q4 | $2.16B | 99,599 |
| 2024Q4 | $1.98B | 89,658 |
| 2023Q4 | $1.76B | 89,110 |
Credit Union Details
- Charter Number
- 66258
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- North Carolina
- City
- DURHAM
- Data Quarter
- 2025Q4
Branch Locations (37)
The NCUA branch filing lists 37 physical offices for SELF-HELP, spread across 29 cities in 4 states.
| Office | City |
|---|---|
| Headquarters (Main Office) | Durham, NC |
| Apopka | Apopka, FL |
| S. Asheville | Asheville, NC |
| Asheville | Asheville, NC |
| Atlanta | Atlanta, GA |
| Charlotte-Providence Rd | Charlotte, NC |
| Charlotte - Beatties Ford Rd | Charlotte, NC |
| DeLand | DeLand, FL |
| Durham-Main St | Durham, NC |
| Durham, S. Mangum | Durham, NC |
| Downtown Gainsville | Gainesville, FL |
| Millhopper | Gainesville, FL |
| Galax | Galax, VA |
| Greensboro | Greensboro, NC |
| Hendersonville | Hendersonville, NC |
| Jacksonville - Kendall Town | Jacksonville, FL |
| Jacksonville - Lenox | Jacksonville, FL |
| Jacksonville - River City | Jacksonville, FL |
| Kinston | Kinston, NC |
| Laurinburg | Laurinburg, NC |
| Lexington | Lexington, NC |
| Maiden | Maiden, NC |
| Miami Springs | Miami Springs, FL |
| Morganton | Morganton, NC |
| Old Fort | Old Fort, NC |
| Brevard | Pisgah Forest, NC |
| Raleigh-Harps Mill Rd | Raleigh, NC |
| Raleigh-Beacon Point | Raleigh, NC |
| Rocky Mount | Rocky Mount, NC |
| Rosman | Rosman, NC |
| Salisbury | Salisbury, NC |
| Tallahassee | Tallahassee, FL |
| Wilmington | Wilmington, NC |
| Wilson | Wilson, NC |
| Windsor | Windsor, NC |
| Winston-Salem | Winston salem, NC |
| Winter Park | Winter Park, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Carolina
A look at other North Carolina credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for SELF-HELP
SELF-HELP's nationwide photo peers by assets and by health score, excluding North Carolina charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.16B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
Using this data
- SELF-HELP ranks #3,042 of 4,374 nationally on financial health and #35 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SELF-HELP is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SELF-HELP
- 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 has a financial health score of 77/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,042 of 4,374; by total assets it ranks #243 of 4,374 nationally (same basis as /rankings/largest); and #7 of 57 within North Carolina. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 24.34% and delinquency rate of 1.86%.
How does SELF-HELP compare to other credit unions?
SELF-HELP scores 77/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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?
Membership eligibility for SELF-HELP depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact SELF-HELP directly for current membership requirements 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 24.34% 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.