B
Self-Help Federal Credit Union
ModestoCA
Rating Date
December 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Self-Help Federal Credit Union
Modesto, CA
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Rating B
Asset Quality Index 7.50
Capitalization Index 6.40
Liquidity Index 4.50
Profitability Index 7.30
Stability Index 8.50
Company Info Self-Help Federal Credit Union
Modesto, CA
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NCUA Charter Number 6348
Phone Number (877) 369-2828
Website www.self-helpfcu.org
Asset Quality Self-Help Federal Credit Union
Modesto, CA
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1-Year Asset Growth 10.22%
5-Year Asset Growth 12.09%
5-Year Charge-Offs to Average Loans 0.09%
Charge-Offs to Average Loans 0.19%
Non-Performing Assets to Assets 0.76%
Non-Performing Loans to Capital 7.20%
Non-Performing Loans to Loans 1.09%
Balance Sheet Self-Help Federal Credit Union
Modesto, CA
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Total Assets 2.34B
Total Deposits 1.67B
Capital and Reserves Self-Help Federal Credit Union
Modesto, CA
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Capital 209.73M
Leverage Ratio 26.61
Loan Loss Reserves to Loans 2.61%
Liquidity Self-Help Federal Credit Union
Modesto, CA
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Hot Money Ratio 16.64%
Liquidity Ratio 40.29%
Profitability Self-Help Federal Credit Union
Modesto, CA
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5-Year Return on Average Assets 1.13%
Net Income 15.43M
Net Interest Spread 4.71%
Operating Profit to Average Assets 1.04%
Overhead Efficiency Ratio 74.48%
Return on Assets 0.93%
Return on Equity 10.47%