Self-Help

DURHAM, NC · 2 · Charter #66258 · www.self-help.org
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$2.2B
50th percentile
Members
99,599
42th percentile
Total loans
$1.9B
60th percentile
Total shares
$1.6B
43th percentile

Profitability

Return on assets
1.28%
70th percentile
Net interest margin
3.59%
74th percentile
Efficiency ratio
44.16%
78th percentile
Non-interest income ratio
8.50%
5th percentile

Capital & Risk

Net worth ratio
24.04%
100th percentile
Delinquency rate
1.86%
6th percentile
Net charge-off rate
0.09%
95th percentile
Loan-to-share
120.25%
98th percentile

Growth

Member growth YoY
11.09%
95th percentile
Asset growth YoY
9.23%
77th percentile
Loan growth YoY
14.26%
89th percentile
Share growth YoY
11.91%
88th percentile

Operations

Members / branch
2,767
1th percentile
Assets / member
$21,704
78th percentile
Field of membership penetration
1.87%
18th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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