Self-Help
Durham, NC · Charter 24802 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 41 branches
Q2 2026
$2.4BAssets
$1.6BLoans
$1.8BShares
$606.6MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 100% of credit unions $1B-$10B in assets (rank 1 of 435).
- Widest gap: efficiency ratio trails 96% of credit unions $1B-$10B in assets (rank 418 of 435).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.37%
Rank 375 of 435
Net Interest Margin
3.36%
Rank 228 of 435
Efficiency Ratio
87.43%
Rank 418 of 435
Equity / Assets
25.18%
Rank 1 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.37% | 0.55% | 0.81% | 1.14% | Beats 14% | 375 / 435 | |
| Return on Equity | 1.46% | 5.12% | 7.41% | 9.70% | Beats 6% | 410 / 435 | |
| Net Interest Margin | 3.36% | 3.01% | 3.39% | 3.75% | Beats 48% | 228 / 435 | |
| Efficiency Ratio | 87.43% | 65.25% | 71.39% | 77.86% | Beats 4% | 418 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.01% | 0.45% | 0.69% | 1.05% | Beats 28% | 315 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 25.18% | 9.81% | 10.84% | 12.63% | Beats 100% | 1 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 25.18% | 9.81% | 10.84% | 12.63% | Beats 100% | 1 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 90.67% | 78.33% | 88.38% | 95.61% | 58th pctl | 183 / 435 | |
| Loans / Assets | 65.89% | 67.69% | 74.58% | 80.80% | 21st pctl | 344 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |