Credit union

Self-Help Federal Credit Union

Durham, North Carolina, Durham County, NC

$2.4B in total assets and 146,774 members, the 222nd largest of 4,298 US credit unions and 6th of 57 headquartered in North Carolina.

NCUA charter: 24802
Charter: Federal
Chartered: 2008
NCUA insured since: 2008
Field of membership: Multiple common bond - other
Low-income designation: Yes
Website: http://www.self-helpfcu.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	$2.4B	50%	$2.4B
Loans	$1.6B	38%	$2.0B
Deposits (shares)	$1.8B	50%	$1.9B
Members	146,774	50%	156,026
Return on assets	0.37%	12%	0.82%
Net interest income to assets	3.38%	25%	3.62%
Efficiency ratio	87.4%	88%	72.9%
Net worth ratio	25.18%	98%	10.48%
Loans to shares	91%	25%	94%
Cost of deposits	1.57%	12%	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 13.7% a year over 10 years and 7.2% a year over the last 5, including 6 mergers in the last 10 years. Membership grew 10.4% a year over 5 years, to 146,774.

Dashed lines mark larger mergers, listed below.

Mergers and acquisitions

Closed	Absorbed	Assets at last filing
Nov 2025	Cencap Federal Credit Union Credit union, Hartford, CT	$33M
May 2025	Northeast Family Federal Credit Union Credit union, Manchester, CT	$103M
May 2024	Shaw University Federal Credit Union Credit union, Raleigh, NC	$563K
Apr 2022	Premier Community Credit Union Credit union, Stockton, CA	$207M
Jan 2021	Lower Valley Credit Union Credit union, Sunnyside, WA	$128M
Sep 2016	Family Federal Credit Union Credit union, Wilmington, CA	$8M
Jan 2016	Community Trust Federal Credit Union Credit union, Apopka, FL	$6M
Oct 2014	Butte Federal Credit Union Credit union, Biggs, CA	$36M
Apr 2011	Mission San Francisco Federal Credit Union Credit union, failed, San Francisco, CA	$6M
Jan 2011	1st Pacific Credit Union Credit union, Vallejo, CA	$159M

Where they operate

46 branches in 26 counties.

2 of 46 branch locations are approximate (ZIP code centers).

Largest counties by branches

County	Branches	Share of all branches	Rank
Cook County, IL	8	0.6%	23 of 171
San Joaquin County, CA	3	2.7%	11 of 26
Capitol Planning Region, CT	3	1.0%	20 of 53
Greenville County, SC	3	1.5%	23 of 54
Yakima County, WA	3	5.3%	7 of 20
Butte County, CA	2	4.0%	10 of 18
Kern County, CA	2	1.6%	15 of 30
Los Angeles County, CA	2	0.1%	95 of 198

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	23
2017	29	+6
2018	27	−2
2019	29	+2
2020	29	0
2021	33	+4
2022	37	+4
2023	38	+1
2024	38	0
2025	45	+7
Jun 2026	46	+1

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	1.01%	1.34%
Net worth ratio	25.18%	10.48%
Loans to shares	91%	94%

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 Cook County, IL

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.