SELF-HELP

Charter #24802 | NC

1B-3B (304 CUs) Mid-Market (380 CUs)
6 1B-3B in NC

SELF-HELP has 9 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 4.0% in tier
  • + Organic Growth Leader: Top 9.7% in tier
  • + Wallet Share Momentum: Top 30.1% in tier
  • + Relationship Depth Leader: Top 35.3% in tier
  • + ROA 0.19% above tier average
  • + Net Interest Margin 0.07% above tier average
  • + Strong member growth: 5.5% YoY
  • + Net Worth Ratio: Top 0.0% in tier
  • + Deposit Growth Rate: Top 9.9% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 2.3% in tier
  • - Growth-at-Risk: Bottom 9.3% in tier
  • - Liquidity Overhang: Bottom 9.3% in tier
  • - Margin Compression: Bottom 23.2% in tier
  • - Liquidity Strain: Bottom 27.5% in tier
  • - Efficiency ratio 0.51% above tier (higher cost structure)
  • - Delinquency rate 0.26% above tier average
  • - First Mortgage Concentration (%): Bottom 0.7% in tier
  • - Fee Income Per Member: Bottom 4.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Members 136,214
+5.5% YoY+4.7% QoQ
 +37.5K 98,678
-1.9% YoY
 91,841
+6.6% YoY
 33,089
+6.1% YoY
 Top 19.1% in tier
Assets $2.3B
+10.2% YoY+2.9% QoQ
 +$624.1M $1.7B
+0.5% YoY
 $1.5B
+5.5% YoY
 $547.7M
+7.8% YoY
 Top 20.1% in tier
Loans $1.6B
+3.5% YoY+0.4% QoQ
 +$331.3M $1.2B
+0.5% YoY
 $1.1B
+9.9% YoY
 $388.7M
+8.6% YoY
 75th in tier
Deposits $1.7B
+12.2% YoY+3.7% QoQ
 +$217.1M $1.5B
+1.3% YoY
 $1.3B
+12.1% YoY
 $464.6M
+9.3% YoY
 69th in tier
ROA 0.9%
-14.2% YoY+14.4% QoQ
 +0.2% 0.7%
+13.4% YoY
 0.4%
-19.0% YoY
 0.7%
+273.4% YoY
 67th in tier
NIM 3.3%
-6.4% YoY-2.2% QoQ
 +0.1% 3.3%
+9.3% YoY
 4.1%
+4.0% YoY
 3.7%
+5.0% YoY
 54th in tier
Efficiency Ratio 74.5%
-2.3% YoY-4.1% QoQ
 +0.5% 74.0%
-10.9% YoY
 81.5%
-1.2% YoY
 79.1%
-3.3% YoY
 49th in tier
Delinquency Rate 1.1%
+105.3% YoY-9.7% QoQ
 +0.3 0.8%
+6.1% YoY
 1.5%
+2.4% YoY
 1.2%
-0.9% YoY
 Top 21.1% in tier
Loan To Share 93.6%
-7.7% YoY-3.2% QoQ
 +8.4% 85.2%
-0.8% YoY
 76.3%
+1.1% YoY
 68.0%
-1.7% YoY
 69th in tier
AMR $23,755
+2.2% YoY-2.5% QoQ
 $-5K $29,172
+2.8% YoY
 $17,441
+4.0% YoY
 $19,418
+1.3% YoY
 26th in tier
CD Concentration 24.2%
+9.7% YoY+4.9% QoQ
 -4.8% 29.0%
+0.8% YoY
 20.6%
+2.2% YoY
 19.6%
+6.2% YoY
 29th in tier
Indirect Auto % 0.6%
-33.1% YoY-9.9% QoQ
 -18.2% 18.8%
-2.8% YoY
 5.3%
-2.9% YoY
 7.9%
-2.9% YoY
 Bottom 15.8% in tier

Signature Analysis

Strengths (4)

Organic Growth Engine

growth
#30 of 246 • Top 4.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 5.50%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.89%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.63%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Organic Growth Leader

growth
#39 of 138 • Top 9.7% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 5.50%
(Tier: 3.18%, National: 9.37%)
better than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#218 of 264 • Top 30.1% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 2.18%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Relationship Depth Leader

growth
#256 of 264 • Top 35.3% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 2.18%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.0K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Concerns (5)

Credit Quality Pressure

risk
#19 of 217 • Bottom 2.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.56% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Growth-at-Risk

risk
#53 of 161 • Bottom 9.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 3.49%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.56% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank improving

Liquidity Overhang

risk
#31 of 113 • Bottom 9.3% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 26.53%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 93.59%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | Rank improving

Margin Compression

decline
#20 of 24 • Bottom 23.2% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 0.89%
(Tier: 0.71%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.15% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Total Assets: $2.34B
(Tier: $1.72B, National: $547.69M)
but better than tier avg
24 of 380 Mid-Market CUs have this signature | 169 nationally
↓ Shrinking -16 CUs YoY | Rank worsening

Liquidity Strain

risk
#145 of 183 • Bottom 27.5% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 93.59%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 3.49%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 304 peers in tier

Top Strengths (9 metrics)

1
Net Worth Ratio
risk
Value: 26.53%
Peer Avg: 11.44%
#1 of 304 Top 0.0% in 1B-3B tier
31
Deposit Growth Rate
growth
Value: 12.17%
Peer Avg: 5.58%
#31 of 304 Top 9.9% in 1B-3B tier
40
Asset Growth Rate
growth
Value: 10.22%
Peer Avg: 4.83%
#40 of 304 Top 12.8% in 1B-3B tier
40
Net Charge-Off Rate
risk
Value: 0.19%
Peer Avg: 0.60%
#40 of 304 Top 12.8% in 1B-3B tier
47
Member Growth Rate
growth
Value: 5.50%
Peer Avg: 2.20%
#47 of 304 Top 15.1% in 1B-3B tier
54
Indirect Auto Concentration (%)
balance_sheet
Value: 0.63%
Peer Avg: 18.32%
#54 of 304 Top 17.4% in 1B-3B tier
58
Total Members
engagement
Value: 136,214
Peer Avg: 98,678
#58 of 304 Top 18.8% in 1B-3B tier
61
Total Assets
balance_sheet
Value: $2.34B
Peer Avg: $1.72B
#61 of 304 Top 19.7% in 1B-3B tier
77
Total Loans
balance_sheet
Value: $1.56B
Peer Avg: $1.23B
#77 of 304 Top 25.0% in 1B-3B tier

Top Weaknesses (3 metrics)

303
First Mortgage Concentration (%)
balance_sheet
Value: 82.38%
Peer Avg: 34.01%
#303 of 304 Bottom 0.7% in 1B-3B tier
291
Fee Income Per Member
profitability
Value: $100.96
Peer Avg: $210.52
#291 of 304 Bottom 4.6% in 1B-3B tier
241
Total Delinquency Rate (60+ days)
risk
Value: 1.09%
Peer Avg: 0.83%
#241 of 304 Bottom 21.1% in 1B-3B tier