State credit union · DURHAM, North Carolina · NCUA charter #66258
Self-help
Health score 74/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $2.16B
- Total assets
- 99,599
- Members
- 8.9%
- Net-worth ratio
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.
Self-help - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)91
- Asset quality (delinquency)54
- Earnings (ROA)100
- Member growth100
- Liquidity (loan-to-share)24
Weighted composite: 74/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 8.93%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.93% | 30% |
| Delinquency Rate | 1.86% | 25% |
| Return on Assets | 0.94% | 15% |
| Member Growth | 11.09% | 15% |
| Loan-to-Share Ratio | 118.55% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Self-help
Headquartered in DURHAM, North Carolina, Self-help is a state credit union with 99,599 members, $2.16B in total assets, and $1.90B in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 74/100 (Very Good), driven in part by a net worth ratio of 8.93% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #66258 and reports within peer group Over $500M, a cohort of 749 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 1.86% measures loans 60+ days past due against total loans outstanding - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. The loan-to-share ratio of 118.55% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.94% on net income of $20.2M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 11.09%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Self-help financially healthy?
Self-help has a financial health score of 74/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 8.93% and delinquency rate of 1.86%.
How does Self-help compare to other credit unions?
Self-help scores 74/100 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 8.93% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.