Self-Help

Durham, NC · 1 · Charter #24802 · www.self-helpfcu.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
$2.4B
55th percentile
Members
145,945
61th percentile
Total loans
$1.6B
52th percentile
Total shares
$1.7B
47th percentile

Profitability

Return on assets
0.29%
9th percentile
Net interest margin
3.24%
52th percentile
Efficiency ratio
51.63%
50th percentile
Non-interest income ratio
12.13%
12th percentile

Capital & Risk

Net worth ratio
26.06%
100th percentile
Delinquency rate
0.87%
38th percentile
Net charge-off rate
0.18%
88th percentile
Loan-to-share
95.22%
68th percentile

Growth

Member growth YoY
18.80%
97th percentile
Asset growth YoY
11.94%
88th percentile
Loan growth YoY
4.97%
50th percentile
Share growth YoY
16.09%
93th percentile

Operations

Members / branch
3,317
4th percentile
Assets / member
$16,360
35th percentile
Field of membership penetration
12.97%
74th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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