TellerScore

Self-Help Credit Union is a federally insured state-chartered credit union headquartered in Durham, North Carolina, in business for about 43 years. At the end of Q2 2026 it reported $2.2B in total assets and $1.6B in member shares and deposits, with 18 offices across 2 states.

Self-Help Credit Union has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 36% of its 454 credit unions with $1 billion – $10 billion. Among 57 credit unions headquartered in North Carolina, it ranks 36th. Capital cushion contributes the most (100/100, 24.51%); funding & liquidity contributes the least (22/100, 121% loans-to-deposits, 41% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 24.51%
Loan quality34/100
Loans 60+ days delinquent ÷ total loans: 1.97%
Earnings66/100
Return on assets (annualized): 1.15%
Funding & liquidity22/100
Loans ÷ shares: 120.6% · 40.9% uninsured
Problem-loan coverage86/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.22%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (62 → 64), mostly because the earnings component improved by 17 points.

TellerScore
626975Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202471
Q4 202471
Q1 202569
Q2 202562
Q3 202563
Q4 202565
Q1 202662
Q2 202664
Net worth ratio
7.00%17.18%27.36%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202427.36%
Q3 202426.65%
Q4 202425.03%
Q1 202524.69%
Q2 202524.33%
Q3 202524.23%
Q4 202524.04%
Q1 202624.34%
Q2 202624.51%
Delinquent loans (60+ days)
0.97%1.48%2.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.01%
Q3 20241.06%
Q4 20241.14%
Q1 20250.97%
Q2 20251.89%
Q3 20252.00%
Q4 20251.86%
Q1 20261.84%
Q2 20261.97%
Return on assets
0.53%0.92%1.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.32%
Q3 20240.96%
Q4 20241.02%
Q1 20250.53%
Q2 20250.74%
Q3 20251.16%
Q4 20251.20%
Q1 20260.78%
Q2 20261.15%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$2.2B24.51%1.97%1.15%120.6%
Q1 202662$2.2B24.34%1.84%0.78%120.8%
Q4 202565$2.2B24.04%1.86%1.20%118.6%
Q3 202563$2.1B24.23%2.00%1.16%117.9%
Q2 202562$2.1B24.33%1.89%0.74%120.9%
Q1 202569$2.0B24.69%0.97%0.53%117.7%
Q4 202471$2.0B25.03%1.14%1.02%116.2%
Q3 202471$1.9B26.65%1.06%0.96%122.7%
Q2 202475$1.8B27.36%1.01%1.32%125.1%

454 peers · $1 billion – $10 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio24.51%
100th
Problem loans1.97%
4th
Net charge-offs0.21%
85th
Return on assets1.15%
77th
Loans to deposits120.6%
0th
Uninsured deposits40.9%
0th
Loan-loss reserves0.00%
50th
Texas ratio7.2%
27th

Similar-size credit unions in North Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Self-Help Federal Credit UnionCredit union Durham, NC73 out of 100, Strong$2.4B25.2%1.01%vs
Allegacy Financial Federal Credit UnionCredit union Winston Salem, NC71 out of 100, Strong$2.6B11.4%0.65%vs
Skyla Federal Credit UnionCredit union Charlotte, NC54 out of 100, Below average$1.7B9.6%1.32%vs
Civic Federal Credit UnionCredit union Raleigh, NC11 out of 100, Low$3.1B5.9%6.27%vs
Marine Federal Credit UnionCredit union Jacksonville, NC57 out of 100, Moderate$1.1B10.4%1.36%vs
Latino Community Credit UnionCredit union Durham, NC64 out of 100, Moderate$1.0B24.2%1.81%vs

Deposit insurance

Is my money safe at Self-Help Credit Union?

Yes. Self-Help Credit Union is a federally insured credit union (NCUA charter #66258). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 40.9% of shares and deposits ($650.0M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 24.51%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

18 locations

Branches

Self-Help Credit Union lists 18 offices in 15 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Self-Help Credit Union reported 202 home-loan applications under HMDA (LEI 549300W2VOHO3742H053): 143 originated ($32,085,000 total), 37 denied, and 18 withdrawn or closed by the applicant. Its denial rate on decided applications was 20.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Self-Help Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66258
RSSD ID
896191
Primary regulator
State + NCUA
Established
1983
Headquarters
301 W. Main St, Durham, NC 27701
Employees
324

Quick answers

Self-Help Credit Union: common questions

Is Self-Help Credit Union NCUA insured?

Yes. Self-Help Credit Union is a federally insured credit union (NCUA charter #66258). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Self-Help Credit Union's TellerScore?

64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Self-Help Credit Union have?

18 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Durham

InstitutionScoreAssetsCapitalProblem loansCompare
Mount Vernon Baptist Church Credit UnionCredit union Durham, NC100 out of 100, Very strong$153K37.7%0.00%vs
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
Vision Financial Federal Credit UnionCredit union Durham, NC94 out of 100, Very strong$59.5M16.8%0.00%vs
Farmers & Merchants BankBank Granite Quarry, NC90 out of 100, Very strong$998.8M15.3%0.79%vs
Summit Credit UnionCredit union Greensboro, NC82 out of 100, Strong$368.8M15.4%0.71%vs
Providence BankBank Rocky Mount, NC82 out of 100, Strong$1.5B12.2%0.12%vs