TellerScore

Self-Help Federal Credit Union is a federal credit union headquartered in Durham, North Carolina, in business for about 18 years. At the end of Q2 2026 it reported $2.4B in total assets and $1.8B in member shares and deposits, with 17 offices across 5 states.

Based on its Q2 2026 filing, Self-Help Federal Credit Union scores 73/100, which we describe as strong. That is higher than 70% of 454 credit unions with $1 billion – $10 billion. Among 57 credit unions headquartered in North Carolina, it ranks 23rd. Its strongest component is capital cushion (100/100; 25.18%), and its lowest is earnings (35/100; 0.37%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 25.18%
Loan quality66/100
Loans 60+ days delinquent ÷ total loans: 1.01%
Earnings35/100
Return on assets (annualized): 0.37%
Funding & liquidity70/100
Loans ÷ shares: 90.7% · 10.9% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.85%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (74 → 73).

TellerScore
737781Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202481
Q4 202481
Q1 202578
Q2 202574
Q3 202576
Q4 202579
Q1 202674
Q2 202673
Net worth ratio
7.00%17.52%28.04%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202427.62%
Q3 202428.04%
Q4 202427.92%
Q1 202527.78%
Q2 202527.00%
Q3 202526.53%
Q4 202526.06%
Q1 202625.90%
Q2 202625.18%
Delinquent loans (60+ days)
0.37%0.78%1.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.77%
Q3 20240.53%
Q4 20240.52%
Q1 20250.37%
Q2 20251.20%
Q3 20251.09%
Q4 20250.87%
Q1 20260.69%
Q2 20261.01%
Return on assets
0.14%0.66%1.18%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.18%
Q3 20241.04%
Q4 20241.00%
Q1 20250.45%
Q2 20250.76%
Q3 20250.88%
Q4 20250.89%
Q1 20260.14%
Q2 20260.37%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$2.4B25.18%1.01%0.37%90.7%
Q1 202674$2.4B25.90%0.69%0.14%91.5%
Q4 202579$2.4B26.06%0.87%0.89%93.2%
Q3 202576$2.3B26.53%1.09%0.88%93.6%
Q2 202574$2.3B27.00%1.20%0.76%96.7%
Q1 202578$2.2B27.78%0.37%0.45%100.5%
Q4 202481$2.1B27.92%0.52%1.00%102.3%
Q3 202481$2.1B28.04%0.53%1.04%101.4%
Q2 202481$2.1B27.62%0.77%1.18%100.1%

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 ratio25.18%
100th
Problem loans1.01%
27th
Net charge-offs0.17%
87th
Return on assets0.37%
15th
Loans to deposits90.7%
42nd
Uninsured deposits10.9%
34th
Loan-loss reserves0.00%
50th
Texas ratio2.9%
77th

Similar-size credit unions in North Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Allegacy Financial Federal Credit UnionCredit union Winston Salem, NC71 out of 100, Strong$2.6B11.4%0.65%vs
Self-Help Credit UnionCredit union Durham, NC64 out of 100, Moderate$2.2B24.5%1.97%vs
Civic Federal Credit UnionCredit union Raleigh, NC11 out of 100, Low$3.1B5.9%6.27%vs
Skyla Federal Credit UnionCredit union Charlotte, NC54 out of 100, Below average$1.7B9.6%1.32%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 Federal Credit Union?

Yes. Self-Help Federal Credit Union is a federally insured credit union (NCUA charter #24802). 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 10.9% of shares and deposits ($190.9M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 25.18%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

17 locations

Branches

Self-Help Federal Credit Union lists 17 offices in 15 cities across 5 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Self-Help Federal Credit Union reported 440 home-loan applications under HMDA (LEI 549300UHEEV73TKCZY62): 327 originated ($83,335,000 total), 57 denied, and 45 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.4%, 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 Federal Credit Union
Type
Federal credit union
NCUA charter #
24802
RSSD ID
3805055
Primary regulator
NCUA
Established
2008
Headquarters
301 W Main Street, Durham, NC 27701
Employees
445

Quick answers

Self-Help Federal Credit Union: common questions

Is Self-Help Federal Credit Union NCUA insured?

Yes. Self-Help Federal Credit Union is a federally insured credit union (NCUA charter #24802). 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 Federal Credit Union's TellerScore?

73 out of 100 (Strong), 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 Federal Credit Union have?

17 offices as of the latest NCUA data, in 5 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