Charter 24802 · Durham, NC
Self-Help Federal Credit Union
Self-Help Federal Credit Union is a federally chartered credit union in Durham, North Carolina, with $2.41 billion in assets and 146,774 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 25.18%, well above the 7% that NCUA's rules treat as well capitalized.
Also does business as Seaway, a div of SHFCU.
- Total assets
- $2.41 billion
- +5.8% in a year
- Members
- 146,774
- +12.9% in a year
- Net worth ratio
- 25.18%
- Peer median 10.79%
- Loans 60+ days late
- 1.01%
- Peer median 0.67%
- Loans outstanding
- $1.59 billion
- +1.9% in a year
- Shares and deposits
- $1.75 billion
- +8.7% in a year
- Branches
- 45
- 445 employees
- Opened
- 2008
- Federal charter
How Self-Help Federal Credit Union compares
NCUA groups credit unions by size; Self-Help Federal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 25.18% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 1.01%, is higher than the group median of 0.67%. Loans grew 1.9% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 6 of 57 credit unions headquartered in North Carolina. See all North Carolina credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $2.41 billion | 146,774 | $1.59 billion | 25.18% | 1.01% |
| Q1 2026 | $2.41 billion | 145,117 | $1.59 billion | 25.90% | 0.69% |
| Q4 2025 | $2.39 billion | 145,945 | $1.60 billion | 26.06% | 0.87% |
| Q3 2025 | $2.34 billion | 136,214 | $1.56 billion | 26.53% | 1.09% |
| Q2 2025 | $2.28 billion | 130,040 | $1.56 billion | 27.00% | 1.20% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 1.1 million potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital. It is designated a minority depository institution.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 47 sites for Self-Help Federal Credit Union; the first 40 are below. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Durham (main office)
301 W Main St, Durham, NC 27701 - Riverbank
2256 Patterson Rd, Riverbank, CA 95367 - Oakland
1432 7Th St, Oakland, CA 94607 - Oakland HQ
1970 Broadway Ste 350, Oakland, CA 94612 - Bakersfield
2100 H St, Bakersfield, CA 93301 - Lamont
10808 Main St, Lamont, CA 93241 - Porterville
182 N Main St, Porterville, CA 93257 - Pittsburg
2110 Railroad Ave, Pittsburg, CA 94565 - San Jose
1080 S White Rd, San Jose, CA 95127 - Napa
3183 Jefferson St, Napa, CA 94558 - Vallejo
536 Santa Clara St, Vallejo, CA 94590 - Mission
2430 Mission St, San Francisco, CA 94110 - Little Village
3960 W 26Th St, Chicago, IL 60623 - Archer Heights
4800 S Pulaski Rd, Chicago, IL 60632 - Cicero
4811 W Cermak Rd, Cicero, IL 60804 - Biggs
482 B St, Biggs, CA 95917 - Chico
2201 Pillsbury Rd, Chico, CA 95926 - Fresno
5261 E Kings Canyon Rd, Fresno, CA 93727 - Wilmington
1000 N Avalon Blvd, Wilmington, CA 90744 - Bronzeville
3501 S King Dr, Chicago, IL 60653 - Chatham
645 E 87Th St, Chicago, IL 60619 - Roseland
11116 S Michigan Ave, Chicago, IL 60628 - Crestwood
5601 127Th St, Crestwood, IL 60418 - Oak Park
6011 North Ave, Oak Park, IL 60302 - Milwaukee (Midtown)
5630 W Fond Du Lac Ave, Milwaukee, WI 53216 - San Diego
4029 43Rd St, San Diego, CA 92105 - Sacramento
3924 Franklin Blvd, Sacramento, CA 95820 - Los Angeles
3886 Crenshaw Blvd, Los Angeles, CA 90008 - East Wenatchee
478 2Nd St Se, E Wenatchee, WA 98802 - Milwaukee (Southgate)
3340 S 27Th St, Milwaukee, WI 53215 - Pasco
2735 W Court St, Pasco, WA 99301 - Sunnyside
900 Yakima Valley Hwy, Sunnyside, WA 98944 - Yakima
1112 E Nob Hill Blvd, Yakima, WA 98901 - Lodi
504 W Lodi Ave, Lodi, CA 95240 - Manteca
2275 W Louise Ave, Manteca, CA 95337 - Stockton
3255 W Benjamin Holt Dr, Stockton, CA 95219 - Grandview
1019 W Wine Country Rd, Grandview, WA 98930 - Modesto
900 Crows Landing Rd, Modesto, CA 95351 - Manchester
233 Main St, Manchester, CT 06042 - North Windham
361 Boston Post Road, Rte 6, North Windham, CT 06235
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology