SELF-HELP

Charter #66258 | NC

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

SELF-HELP has 15 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 0.0% in tier
  • + Organic Growth Leader: Top 1.8% in tier
  • + Wallet Share Momentum: Top 23.4% in tier
  • + Relationship Depth Leader: Top 33.9% in tier
  • + ROA 0.47% above tier average
  • + Net Interest Margin 0.35% above tier average
  • + Strong member growth: 12.8% YoY
  • + Loan-to-Share Ratio: Top 0.0% in tier
  • + Net Worth Ratio: Top 0.7% in tier
  • + Deposit Growth Rate: Top 2.0% in tier
  • + Member Growth Rate: Top 2.3% in tier
  • + Asset Growth Rate: Top 3.3% in tier
  • + Net Charge-Off Rate: Top 4.3% in tier
  • + Loan-to-Member Ratio (LMR): Top 6.9% in tier
  • + Loan Growth Rate: Top 8.2% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 0.2% in tier
  • - Liquidity Strain: Bottom 0.2% in tier
  • - Credit Quality Pressure: Bottom 1.0% in tier
  • - Liquidity Overhang: Bottom 17.1% in tier
  • - Delinquency rate 1.18% above tier average
  • - First Mortgage Concentration (%): Bottom 1.6% in tier
  • - Total Delinquency Rate (60+ days): Bottom 3.6% in tier
  • - Fee Income Per Member: Bottom 5.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Members 100,668
+12.8% YoY-4.4% QoQ
 +2.0K 98,678
-1.9% YoY
 91,841
+6.6% YoY
 33,089
+6.1% YoY
 59th in tier
Assets $2.1B
+15.4% YoY+2.6% QoQ
 +$426.1M $1.7B
+0.5% YoY
 $1.5B
+5.5% YoY
 $547.7M
+7.8% YoY
 74th in tier
Loans $1.9B
+14.4% YoY+0.5% QoQ
 +$640.5M $1.2B
+0.5% YoY
 $1.1B
+9.9% YoY
 $388.7M
+8.6% YoY
 Top 12.5% in tier
Deposits $1.6B
+19.1% YoY+3.1% QoQ
 +$134.6M $1.5B
+1.3% YoY
 $1.3B
+12.1% YoY
 $464.6M
+9.3% YoY
 63rd in tier
ROA 1.2%
+20.6% YoY+57.8% QoQ
 +0.5% 0.7%
+13.4% YoY
 0.4%
-19.0% YoY
 0.7%
+273.4% YoY
 Top 12.5% in tier
NIM 3.6%
+10.4% YoY-0.9% QoQ
 +0.4% 3.3%
+9.3% YoY
 4.1%
+4.0% YoY
 3.7%
+5.0% YoY
 74th in tier
Efficiency Ratio 63.7%
-4.9% YoY-5.2% QoQ
 -10.3% 74.0%
-10.9% YoY
 81.5%
-1.2% YoY
 79.1%
-3.3% YoY
 Bottom 14.5% in tier
Delinquency Rate 2.0%
+89.1% YoY+6.1% QoQ
 +1.2 0.8%
+6.1% YoY
 1.5%
+2.4% YoY
 1.2%
-0.9% YoY
 Top 3.6% in tier
Loan To Share 117.9%
-3.9% YoY-2.5% QoQ
 +32.7% 85.2%
-0.8% YoY
 76.3%
+1.1% YoY
 68.0%
-1.7% YoY
 Top 0.3% in tier
AMR $34,395
+3.3% YoY+6.4% QoQ
 +$5K $29,172
+2.8% YoY
 $17,441
+4.0% YoY
 $19,418
+1.3% YoY
 Top 17.4% in tier
CD Concentration 18.8%
+7.9% YoY-1.8% QoQ
 -10.2% 29.0%
+0.8% YoY
 20.6%
+2.2% YoY
 19.6%
+6.2% YoY
 Bottom 11.1% in tier
Indirect Auto % 0.4%
+2475.4% YoY-11.1% QoQ
 -18.4% 18.8%
-2.8% YoY
 5.3%
-2.9% YoY
 7.9%
-2.9% YoY
 Bottom 14.5% in tier

Signature Analysis

Strengths (4)

Organic Growth Engine

growth
#1 of 246 • Top 0.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 12.76%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 1.18%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.36%
(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 | New qualifier

Organic Growth Leader

growth
#8 of 138 • Top 1.8% in tier

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

Why This Signature
Member Growth (YoY): 12.76%
(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 | New qualifier

Wallet Share Momentum

growth
#170 of 264 • Top 23.4% in tier

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

Why This Signature
AMR Growth (YoY): 3.33%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#246 of 264 • Top 33.9% in tier

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

Why This Signature
AMR Growth (YoY): 3.33%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.7K
(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 | Rank worsening

Concerns (4)

Growth-at-Risk

risk
#2 of 161 • Bottom 0.2% in tier

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

Why This Signature
Loan Growth (YoY): 14.44%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.94% 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 Strain

risk
#2 of 183 • Bottom 0.2% in tier

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

Why This Signature
Loan-to-Share Ratio: 117.91%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 14.44%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY

Credit Quality Pressure

risk
#9 of 217 • Bottom 1.0% in tier

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

Why This Signature
Delinquency Change (YoY): 0.94% 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

Liquidity Overhang

risk
#56 of 113 • Bottom 17.1% 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: 24.23%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 117.91%
(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 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 (14 metrics)

1
Loan-to-Share Ratio
balance_sheet
Value: 117.91%
Peer Avg: 85.19%
#1 of 304 Top 0.0% in 1B-3B tier
3
Net Worth Ratio
risk
Value: 24.23%
Peer Avg: 11.44%
#3 of 304 Top 0.7% in 1B-3B tier
7
Deposit Growth Rate
growth
Value: 19.06%
Peer Avg: 5.58%
#7 of 304 Top 2.0% in 1B-3B tier
8
Member Growth Rate
growth
Value: 12.76%
Peer Avg: 2.20%
#8 of 304 Top 2.3% in 1B-3B tier
11
Asset Growth Rate
growth
Value: 15.39%
Peer Avg: 4.83%
#11 of 304 Top 3.3% in 1B-3B tier
14
Net Charge-Off Rate
risk
Value: 0.07%
Peer Avg: 0.60%
#14 of 304 Top 4.3% in 1B-3B tier
22
Loan-to-Member Ratio (LMR)
engagement
Value: $18,611
Peer Avg: $13,213
#22 of 304 Top 6.9% in 1B-3B tier
26
Loan Growth Rate
growth
Value: 14.44%
Peer Avg: 5.27%
#26 of 304 Top 8.2% in 1B-3B tier
36
Share Certificate Concentration (%)
balance_sheet
Value: 18.77%
Peer Avg: 28.53%
#36 of 304 Top 11.5% in 1B-3B tier
38
Return on Assets (ROA)
profitability
Value: 1.18%
Peer Avg: 0.70%
#38 of 304 Top 12.2% in 1B-3B tier

Top Weaknesses (3 metrics)

300
First Mortgage Concentration (%)
balance_sheet
Value: 72.17%
Peer Avg: 34.01%
#300 of 304 Bottom 1.6% in 1B-3B tier
294
Total Delinquency Rate (60+ days)
risk
Value: 2.00%
Peer Avg: 0.83%
#294 of 304 Bottom 3.6% in 1B-3B tier
287
Fee Income Per Member
profitability
Value: $109.27
Peer Avg: $210.52
#287 of 304 Bottom 5.9% in 1B-3B tier