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Self-Help

Durham, NC · Charter 66258

NCUA · 41 branches

Q2 2026

$2.2BAssets
$1.9BLoans
$1.6BShares
$532.2MNet 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 1.15%, up 42 bps year over year; NIM at 3.61%.
  • Asset quality: problem loans at 1.97% of loans (+9 bps YoY).
  • Capital: net worth / assets of 24.51%, up 7 bps from a year ago.
  • Funding: loans stand at 120.63% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.15%+42 bps YoY

Net Interest Margin (YTD, annualized)

3.61%+1 bps YoY

Efficiency Ratio (YTD, annualized)

68.37%+115 bps YoY

Net Worth / Assets

24.51%+7 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.74%1.16%1.20%0.78%1.15%+42 bps
Return on Equity3.01%4.77%4.99%3.21%4.70%+169 bps
Net Interest Margin3.60%3.57%3.59%3.54%3.61%+1 bps
Efficiency Ratio67.22%63.71%63.07%72.98%68.37%+115 bps
Growth
Asset Growth (YoY)15.82%15.39%9.23%5.44%3.84%-1,198 bps
Loan Growth (YoY)18.34%14.44%14.26%8.15%2.95%-1,539 bps
Share Growth (YoY)22.44%19.06%12.00%5.40%3.20%-1,924 bps
Asset Quality
Delinquent Loans / Loans1.89%2.00%1.86%1.84%1.97%+9 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 Capital24.44%24.33%24.04%24.34%24.51%+7 bps
Net Worth / Assets24.44%24.33%24.04%24.34%24.51%+7 bps
Liquidity & Funding
Loans / Shares120.92%117.91%118.55%120.80%120.63%-29 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps