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2025 Annual Report

Building Wealth & Opportunity for All

For over four decades, Self-Help has been investing in the financial futures of families, small businesses and communities.

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A Message From Our CEO

The fight for economic justice has always required persistence. We are grateful to the members, stakeholders and partners willing to work alongside us in our fight for an inclusive financial landscape. I have never been more confident in this organization, our partners and the communities we serve than I am now.

ME
Martin Eakes
Chief Executive Officer, Self-Help
Our Impact in 2025

Measuring What Matters

0
Locations across 10 states
0
Of loans went to borrowers in rural areas
0
Affordable home loans for families
0
Of loans went to borrowers in underserved areas
0
Childcare or public charter school spots created or preserved
0
Members received Financial Coaching and/or FICO® Credit Score Review services
0
Jobs created or maintained
0
Affordable housing units preserved or created
$0
In lending for residential solar, EVs & green home improvement in 2025
$0
In consumer loans with fair terms in 2025
$0
In total financing provided
0
Credit union members served
Our Work

How We Serve Our Communities

Financial Services

Delivering Responsible Financial Services

Over the last 40-plus years, Self-Help has operated on the notion that fair and responsible financial services should be accessible to everyone. Every day at our branches and lending offices, individuals and businesses can find services that help them grow their wealth: a range of checking and savings accounts; small business loans with flexible underwriting; personal loans and loans that support home energy efficiency; and financial capability services, such as our free financial coaching and FICO™ Credit Score Review programs.

Rex in Greenville
Homeownership

Widening the Path to Homeownership

Supporting homeownership is a cornerstone of our mission. Homeownership doesn't just save money that would have been spent on rent, but it creates long-term financial stability and an opportunity to build generational wealth. Self-Help's innovative homeownership programs bring homeownership into reach for more families, with 1% down mortgages, in-depth financial coaching and programs for first-generation homebuyers.

Homeownership
Partnership

Multiplying Impact through Partnership

Economic inclusion is central to our mission. By building partnerships with mission-aligned organizations within the communities we serve, we expand our reach and connect families, individuals, nonprofits and businesses with the financial tools and services that support wealth building and financial stability.

Ronald McDonald House Miami groundbreaking
Affordable Housing

Building and Preserving Affordable Housing

Self-Help develops, operates and finances a broad spectrum of community-based real estate. We preserve naturally occurring affordable housing, and we develop and build new affordable rentals and single-family homes. We also finance other skilled affordable housing developers who share our mission.

Celebrating Ana group
Business Financing

Financing Businesses & Nonprofits

Self-Help's commercial lending team works across our footprint to finance businesses and nonprofits that create real benefits for the communities we serve. As with everything we do at Self-Help, this work, which spans a broad spectrum of business types and geographies, is guided by our mission.

Financing Businesses and Nonprofits
Education

Investing in Education

Our charter school lending program helps create educational opportunities for thousands of students across the country. For nearly three decades, we've provided financing to public charter schools offering challenging, diverse and equitable learning environments.

Golden Charter Academy students at the zoo
Systemic Change

Creating Systemic Change

Self-Help serves members and communities directly through financial products and services. Self-Help's policy affiliate, the Center for Responsible Lending, works on the broader playing field, fighting to ensure that the financial marketplace is fair and inclusive for everyone. Together, the two organizations work toward the same goal from different angles.

Portrait unveil
2025 Financial Results

Our Financial Strength

(dollars in thousands - unaudited)

Loan Portfolio as of 12/31/2025
 
    2025 Community Investments
    Loan Originations and Real Estate Development
      Balance Sheet as of 12/31/25*
      Assets
      Cash & Investments725,261
      Loans & Current Assets, Net of Reserves3,945,765
      Net Real Estate Assets466,270
      Other Assets124,524
      Total Assets5,261,820
      Liabilities
      Reserves for Guaranteed Loans7,320
      Credit Union Deposits2,863,498
      Notes Payable & Program-Related Investments501,201
      Secondary Capital — ECIP493,000
      Other Liabilities97,285
      Total Liabilities3,962,304
      Net Assets
      Non-Controlling Interest in Subsidiaries16,652
      Core Net Assets & Other Comprehensive Income1,282,864
      Total Net Assets1,299,516
      2025 Income Statement*
      Revenue
      Investment Income34,171
      Loan & MBS Income221,282
      Rental Income32,946
      Fees & Other Income25,126
      Grants & Non-Operating Gains55,328
      Total Revenue368,853
      Expenses
      Interest & Dividends94,282
      Compensation & Other Benefits94,695
      Other Operating Expenses88,809
      Provision for Credit Losses11,174
      Depreciation18,236
      Total Expenses307,196
      Net Income
      Net Income61,657

      Off balance sheet: Guaranteed Community Development Loans & Investments — $297,063* Excludes National Clean Investment Fund

      Our mission is creating and protecting ownership and opportunity for all, especially people of color, women, rural residents and low-wealth families and communities.

      We can't do this work alone. Our depositors, investors and partners make our impact possible.
      Join us. Together, we can expand economic opportunity for all.

      www.self-help.org  |  www.self-helpfcu.org  |  www.responsiblelending.org