SELF-HELP
Charter #24802 · Durham, NC · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 145,117 ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 25.90% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.14% sits at the 8th percentile of structural peers — worth a closer look.
- Efficiency ratio of 92.83% sits at the 95th percentile of structural peers — worth a closer look.
- On Net charge-off ratio, the asset-size band puts this credit union at the 12th percentile but its structural peers at the 44th — a 33-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | SELF-HELP | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.41B | 53th pct | 70th pct |
| Members | 145,117 | 59th pct | 80th pct |
| Net worth ratio | 25.90% | 100th pct | 97th pct |
| Return on average assets | 0.14% | 8th pct | 8th pct |
| Net interest margin | 3.35% | 49th pct | 61th pct |
| Cost of funds | 2.45% | 85th pct | 74th pct |
| Loan-to-share | 91.52% | 66th pct | 57th pct |
| Delinquency 60+ days | 0.69% | 56th pct | 67th pct |
| Net charge-off ratio | 0.16% | 12th pct | 44th pct |
| Loan growth YoY | 1.62% | 48th pct | 52th pct |
| Share growth YoY | 3.92% | 46th pct | 56th pct |
| Efficiency ratio | 92.83% | 98th pct | 95th pct |
structural peer set hash: 5abf43424f2931d9801d720fc28ca629… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.