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
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 75-79 with 502 others.
77 28th percentile higher than 28% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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).
- One place up in North Carolina, MARINE (#34) scores 78/100, 1 point higher; one place down, HSM (#36) scores 76/100, 1 point lower.
Quarter path for SELF-HELP
SELF-HELP: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.4% from $2.16B (2025Q4) to $2.15B (2026Q1).
- Net-worth ratio shifted +0.30 pp (24.04% → 24.34%).
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
SELF-HELP gives up 23 points in total. Loan-to-Share Ratio costs the most, 11.5 of its 15; Net Worth Ratio and Return on Assets and Member Growth score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is SELF-HELP financially healthy?
On its 2025Q4 NCUA 5300 filing, SELF-HELP scores 77/100 (Very Good), with a 24.34% net worth ratio and 1.86% of loans delinquent. It ranks #3,042 of 4,374 nationally on health and #35 of 57 in North Carolina.
How does SELF-HELP compare to other credit unions?
SELF-HELP scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (118.55% vs 83.90%). Its widest shortfall is delinquency rate (1.86% vs 0.87%).
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?
SELF-HELP is a state-chartered 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 24.34% 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.