SELF-HELP
Charter #66258 · DURHAM, NC · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 24.34% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.84% sits at the 90th percentile of structural peers — worth a closer look.
- On Net charge-off ratio, the asset-size band puts this credit union at the 21st percentile but its structural peers at the 61st — a 39-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 | $2.15B | 48th pct | 70th pct |
| Members | 100,933 | 42th pct | 69th pct |
| Net worth ratio | 24.34% | 100th pct | 95th pct |
| Return on average assets | 0.78% | 55th pct | 57th pct |
| Net interest margin | 3.53% | 62th pct | 67th pct |
| Cost of funds | 2.29% | 78th pct | 51th pct |
| Loan-to-share | 120.80% | 100th pct | 97th pct |
| Delinquency 60+ days | 1.84% | 97th pct | 90th pct |
| Net charge-off ratio | 0.29% | 21th pct | 61th pct |
| Loan growth YoY | 1.48% | 46th pct | 46th pct |
| Share growth YoY | -0.95% | 3th pct | 3th pct |
| Efficiency ratio | 72.98% | 51th pct | 38th pct |
structural peer set hash: 75c68d66f6cbe32c5504b3919f22c96d… (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.