Self-Help
Durham, NC · Charter 66258 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 41 branches
Q2 2026
$2.2BAssets
$1.9BLoans
$1.6BShares
$532.2MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 100% of credit unions $1B-$10B in assets (rank 2 of 435).
- Widest gap: nonperforming loans / loans trails 96% of credit unions $1B-$10B in assets (rank 418 of 435).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.15%
Rank 102 of 435
Net Interest Margin
3.61%
Rank 149 of 435
Efficiency Ratio
68.37%
Rank 168 of 435
Equity / Assets
24.51%
Rank 2 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.15% | 0.55% | 0.81% | 1.14% | Beats 77% | 102 / 435 | |
| Return on Equity | 4.70% | 5.12% | 7.41% | 9.70% | Beats 21% | 342 / 435 | |
| Net Interest Margin | 3.61% | 3.01% | 3.39% | 3.75% | Beats 66% | 149 / 435 | |
| Efficiency Ratio | 68.37% | 65.25% | 71.39% | 77.86% | Beats 62% | 168 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.97% | 0.45% | 0.69% | 1.05% | Beats 4% | 418 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 24.51% | 9.81% | 10.84% | 12.63% | Beats 100% | 2 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 24.51% | 9.81% | 10.84% | 12.63% | Beats 100% | 2 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 120.63% | 78.33% | 88.38% | 95.61% | 100th pctl | 2 / 435 | |
| Loans / Assets | 88.38% | 67.69% | 74.58% | 80.80% | 96th pctl | 16 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |