# SELF-HELP
DURHAM, NC · NCUA charter 66258 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/self-help-66258

Who the members are: state charter, organized 1983, low-income designated, minority depository institution. 100,933 members of 5,334,000 potential (1.9% of the field); checking penetration 42% (share draft accounts per 100 members); loans per 100 members 28.

**Verdict on the desk:** this could be *liquidity-tight*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.15B |
| Members | 100,933 (2.3% YoY) |
| Full-time staff | 303 |
| Net worth | $523.9M |
| Net worth ratio | 24.3% (p100 of band) |
| ROA (annualized) | 0.78% (p57 of band) |
| Total delinquency | 1.84% (p97 of band) |
| Net charge-offs (annualized) | 0.29% (p22 of band) |
| Loans / shares | 121% (p100 of band) |
| Cash / assets | 9.0% |
| Borrowings / assets | 14.49% |
| Net interest margin | 3.54% (p65 of band) |
| Operating expense / assets | 2.85% (p30 of band) |
| Vehicles % of loans | 2% (p1 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 14% |
| Third-party paper % of net worth | 1% (p8 of band) |
| Vehicle delinquency | 3.31% (p100 of band) |
| Vehicle NCO | 9.66% (p100 of band) |
| Repossessed % of vehicle book | 0.31% (p91 of band) |
| Real estate % of loans | 74% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 77% |
| Core shares % of member funds | 22% |
| Certificates % of member funds | 20% |
| Average share balance | $11,228 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $3.5M |
| Loans outstanding per 100 members | 28% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $66,578 |
| Loans granted, annualized | $47.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $3.5M outstanding purchased (0.7% of net worth), $28.0M sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 5.4% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, repo signal |  |
| 2016-06 | 1 |  | repo signal |
| 2016-09 | 3 | repo signal, leaning on borrowings |  |
| 2016-12 | 2 |  | leaning on borrowings |
| 2017-03 | 1 |  | repo signal |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | net worth falling |  |
| 2017-12 | 1 |  | net worth falling |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | net worth falling |  |
| 2018-12 | 1 |  | net worth falling |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 3 | margin squeeze |  |
| 2020-12 | 3 | leaning on borrowings | net worth falling |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 4 | delinquency rising |  |
| 2021-12 | 1 |  | margin squeeze, leaning on borrowings, delinquency rising |
| 2022-03 | 2 | leaning on borrowings |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 | loans>95% of shares | delinquency 2x band |
| 2022-12 | 3 | delinquency 2x band |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 4 | delinquency rising, assets shrinking | delinquency 2x band |
| 2023-12 | 2 |  | delinquency rising, assets shrinking |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 3 | net worth falling |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 5 | delinquency 2x band, delinquency rising |  |
| 2025-09 | 5 |  |  |
| 2025-12 | 5 |  |  |
| 2026-03 | 4 |  | net worth falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-04 [Credit union now backs Raleigh HBCUs with $300M in real estate - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxQdjFpSmxtNFdfS2tzajJ3M0U1WWlhdHhlUlFTWGxVc0tTb2k4cWxCYkxXWEZjdUw0VmJYdGpzbmxZRjE0R3BPdlpnUF9wbGtOS2VPSGhVYzdlNXlnNHB4U0ZoWU51UnFTOXlzSE1mZXQ0TWlIc1F3NU5BOWZuZTBOdEVqMmUtRnJzcU11eFJWTmU3aWxrRkJRbDFlbVJNd2luSFlNeEc0Y0gwWXIw?oc=5) · The Business Journals
- 2025-12-05 [Self-Help Extends to S.C. Coast With New Branch - CUTimes](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQOXNjTVV5S2dmZ2ZxaHZRUmhKNl9lTGVCRzV0TUNUOWNpVjF4NnpxNUJVaVFUSkNjdVV5anRqNzdTRHVZNHhrSk5KNWRGV2JGeXh3Ni01SXNFQ3BpVjYxSnBaZEVzV1laMjZWUUREcU9NNVk1VkdrNUFyWUlGZnI0b0JWUmZaUmpP?oc=5) · CUTimes
- 2026-08-12 [Self-Help Credit Union Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMiekFVX3lxTFA1cGtyclo0MU1weHJ3d0g3ZmVnUU1DMFZ6U1lZdjVDdmYxZmlQUTBDMEh5S1F3MEI0Rkg1eWEzZFEwNFc1WWJPRGJzZ1pzdkY0NU5ldmN0Z0ZfS291a0w4M0J4d0dMX1JuZFJkZ3c2RzBNeTFVM21GU3hB?oc=5) · reveliolabs.com
- 2026-08-22 [Self-Help Credit Union and partners launch a $20M Jacksonville housing fund - Dealroom](https://news.google.com/rss/articles/CBMirAFBVV95cUxPcHNvTHU1b0tzTHNUOEN5bHJ2X3lVc05yRGtpNk56Z2xNcHVsc1dVOTNpaUd0SkFUU1d6SXE4V091ck9JTGJISnVMcGlpSDNsR0xDaVJfUF94aVhmNHRMX1lrWXZBRXdLZW9iSWFIejQ0RWw2NFZmSzdSRU9nTlQwMGFERW13eDdNdzEwS2hOM09qYUxrT1k3TkZxR3hmc2xYZFhSNURDNHRiaHhI?oc=5) · Dealroom
- 2026-01-07 [New lender offers lifeline to St. Aug, but only if it ousts former chairmen from board - WRAL](https://news.google.com/rss/articles/CBMilAFBVV95cUxOZmEwZmlVcDVTRktKNjF2OERsLXhtSzcxMi1jSm5mV1pFaGE4Z0ltaE1fZ3lGNkdxaENianRVbXd5elpVbk1RazRnVEpCTFAzV3duTjd6N1pOLXBJNm1wVnp1eFN2VDFGQkh0djNQS2R0MWRXOVNnVkpkQXE2RDI4TjR2NHlCWnRTa1RfM3pOak5iV056?oc=5) · WRAL
- 2025-12-09 [North Carolina credit union sues Fiserv over 'insecure' systems - American Banker](https://news.google.com/rss/articles/CBMinwFBVV95cUxPNnlKNjdjdEtQdG1jMzMtcGtTWlFhVU13ejBnLUE4aDVTMmJTR0VKRmVKSlpDcTVaWVE5T3JtTnhxdXQ1MURRQ0VreGY1ajlMa3A1Y1NYb09aaHNhV0NFb0lsLS1IXzlzNTZuVVFveDgxWkRVaEtYeTJxNnJtMEU5aFRQNTZpN2poS3lFMi0zZTNleFRST0o0YkpVSzdPSGc?oc=5) · American Banker
- 2026-04-08 [Closing low-income housing loophole could be difficult, says NC housing advocate - NC Newsline](https://news.google.com/rss/articles/CBMitAFBVV95cUxPNHNGci1pSlplZHNra19BVzRobXd5RWFSeW5haldycWlheXBsd0RaNm9SSWx0d3NLV0N4SFlxSUthU29PdkJnWS1UdXpXSmM1bUxsbURMVGNaTzJYQ2dCZzA4QzZYY1R6Y0dzT05QMHhabDgwajJzeXB0TFdjZVNOOGNuSTduYXhxRXpvS0xkLXFtT2cxZUhCRUdueGFhaWZzZ0o5SlFJUXJyeGExdXlzblZYbE8?oc=5) · NC Newsline
- 2025-12-08 [Fiserv faces security issue lawsuit - Payments Dive](https://news.google.com/rss/articles/CBMigwFBVV95cUxNekJZVlVhLWt2SVNrZUwzQU1rTWJNVVB2QVc0QVNNdEtaUTJoeEFiRnUydXZnQjBOS1RhTFY0a2VMeVV1cVB6LWRTTllFQ3VyMUVueWx6eXpzMW9pOG9laVROUXFhOTltcXdVRkxJak40QUF6N1NjOXB4LU1TM0pOU0JOZw?oc=5) · Payments Dive

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66258 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/18.json (key "66258", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=66258
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide