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Self-Help

Durham, NC · Charter 24802

NCUA · 41 branches

Q2 2026

$2.4BAssets
$1.6BLoans
$1.8BShares
$606.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.37%, down 39 bps year over year; NIM at 3.36%.
  • Asset quality: problem loans at 1.01% of loans (-19 bps YoY).
  • Capital: net worth / assets of 25.18%, down 191 bps from a year ago.
  • Funding: loans stand at 90.67% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.37%-39 bps YoY

Net Interest Margin (YTD, annualized)

3.36%+5 bps YoY

Efficiency Ratio (YTD, annualized)

87.43%+979 bps YoY

Net Worth / Assets

25.18%-191 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.76%0.88%0.89%0.14%0.37%-39 bps
Return on Equity2.80%3.30%3.41%0.55%1.46%-134 bps
Net Interest Margin3.32%3.29%3.24%3.33%3.36%+5 bps
Efficiency Ratio77.63%74.48%74.93%92.83%87.43%+979 bps
Growth
Asset Growth (YoY)6.20%10.22%11.94%11.77%5.81%-39 bps
Loan Growth (YoY)4.10%3.49%4.97%5.04%1.89%-221 bps
Share Growth (YoY)7.75%12.17%15.33%15.34%8.69%+94 bps
Asset Quality
Delinquent Loans / Loans1.20%1.09%0.87%0.69%1.01%-19 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital27.09%26.61%26.06%25.90%25.18%-191 bps
Net Worth / Assets27.09%26.61%26.06%25.90%25.18%-191 bps
Liquidity & Funding
Loans / Shares96.72%93.59%93.16%91.52%90.67%-605 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps