Credit union

Self-Help Credit Union

Durham, North Carolina, Durham County, NC

$2.2B in total assets and 101,911 members, the 245th largest of 4,298 US credit unions and 7th of 57 headquartered in North Carolina.

NCUA charter: 66258
Charter: State chartered (NC)
Chartered: 1983
NCUA insured since: 1983
Low-income designation: Yes
Website: http://www.self-help.org

At a glance

Compared with 8 federally insured credit unions in North Carolina with $1 billion to $10 billion in assets, as of June 30, 2026.

Measure	This credit union	Percentile	Peer median
Total assets	$2.2B	38%	$2.5B
Loans	$1.9B	50%	$1.8B
Deposits (shares)	$1.6B	38%	$2.0B
Members	101,911	12%	167,279
Return on assets	1.16%	88%	0.68%
Net interest income to assets	3.62%	62%	3.57%
Efficiency ratio	68.4%	38%	78.3%
Net worth ratio	24.51%	88%	10.48%
Loans to shares	121%	98%	93%
Cost of deposits	1.95%	25%	2.09%

Ratios are annualized from year-to-date figures. Return on assets uses average assets, as NCUA does. Cost of deposits includes dividends on shares.

Growth

Total assets grew 11.4% a year over 10 years and 6.0% a year over the last 5, including 7 mergers in the last 10 years. Membership grew 2.6% a year over 5 years, to 101,911.

Dashed lines mark larger mergers, listed below.

Mergers and acquisitions

Closed	Absorbed	Assets at last filing
Jun 2025	Alliance Credit Union of Florida Credit union, Gainesville, FL	$58M
Jan 2025	Winston-Salem Federal Credit Union Credit union, Winston Salem, NC	$60M
Jan 2020	First Legacy Community Credit Union Credit union, Charlotte, NC	$29M
Dec 2019	Turbine Federal Credit Union Credit union, Greenville, SC	$25M
Oct 2018	Communityworks Federal Credit Union Credit union, Greenville, SC	$3M
Sep 2018	Palmetto Trust Federal Credit Union Credit union, Columbia, SC	$18M
Jun 2017	Jax Metro Credit Union Credit union, Jacksonville, FL	$44M
Apr 2016	Greater Piedmont Credit Union Credit union, Durham, NC	$15M
Apr 2014	Generations Community Credit Union Credit union, Durham, NC	$20M
Oct 2013	United Services Credit Union Credit union, Asheville, NC	$61M

Where they operate

37 branches in 27 counties.

1 of 37 branch locations are approximate (ZIP code centers).

Largest counties by branches

County	Branches	Share of all branches	Rank
Duval County, FL	3	1.2%	21 of 48
Durham County, NC	3	4.1%	8 of 24
Alachua County, FL	2	2.4%	13 of 25
Orange County, FL	2	0.6%	29 of 62
Buncombe County, NC	2	2.1%	14 of 33
Mecklenburg County, NC	2	0.6%	27 of 61
Transylvania County, NC	2	16.7%	1 of 9
Wake County, NC	2	0.6%	22 of 56

Credit unions do not report deposits by branch, so these are branch counts: this credit union's branches against every bank and credit union branch in the county. Rank is among all banks and credit unions with a branch there.

Branches by year

Year end	Branches	Change
2016	20
2017	25	+5
2018	30	+5
2019	35	+5
2020	34	−1
2021	36	+2
2022	38	+2
2023	37	−1
2024	39	+2
2025	37	−2
Jun 2026	37	0

Member-serving offices as listed in NCUA call reports. Changes include branches gained in mergers.

Earnings and credit

Return on assets

Year to date, annualized, with the peer median.

Credit and capital

	This credit union	Peer median
Delinquent loans, 60+ days	1.97%	1.17%
Net worth ratio	24.51%	10.48%
Loans to shares	121%	93%

Delinquent loans are two or more months past due. Net worth is NCUA's capital measure for credit unions.

Credit unions of similar size in North Carolina

Most branches in Duval County, FL

Figures as of June 30, 2026 from the credit union's NCUA call report (Form 5300), NCUA's credit union locator and FFIEC merger records.