At Self-Help, our environmental work focuses on supporting low-income people who are disproportionately affected by climate change and pollution. We do this by investing in organizations and entrepreneurs that create sustainable development in communities historically overlooked by the environmental movement. At Self-Help, we evaluate the social impact of all the loans we consider and make investments in sustainable energy projects and building more sustainable communities. We extended paycheck protection financing worth $4.2M to 31 environmental organizations, helping them maintain 363 jobs during the pandemic. Since 1989, we have invested $357 million in projects that have created a positive environmental impact in the communities we serve.* Our investments include loans to 236 businesses and nonprofits that have come to us with a proven commitment to providing a sustainable future. Areas of investment include renewable energy, energy-efficient homes and sustainable food systems, and other green businesses. We do not invest in projects involving fossil fuel extraction or production. We work with other lenders and advocate to advance sustainability: Read our regulatory recommendations: The Climate Imperative & Community Finance February, 2021. We’re among the first financial institutions pledging to benchmark our loan portfolio under the new carbon accounting standards, Partnership for Carbon Accounting Financials. We’re proud to have been part of the working group that helped adapt the method for North America. Our sustainability work is made possible by all of our members who trust us with their deposits and investments. 1 / 8 2 / 8 3 / 8 4 / 8 5 / 8 6 / 8 7 / 8 8 / 8 ❮ ❯ Click the images below to learn more. We finance renewable energy. Financing Renewable Energy We have invested over $175 million in solar development companies that are providing a clean energy alternative to fossil fuels and opportunities for economic advancement in rural communities. These installations have created 2,250 jobs in the clean-energy sector and have provided over 280 megawatts of clean energy to the grid--enough to power 53,000 homes. "We're grateful for our partnership with Self-Help. The opportunity to build our business with a sophisticated green energy investor like Self-Help at our side is unique and exciting. - Allan Riska, Cypress Creek Renewables" We support green businesses. Supporting Green Businesses We have invested over $161 million in businesses and nonprofits that have shown a commitment to sustainability and reducing their environmental impact. Our investments have financed installations of renewable power sources as well as energy, water, and resource-efficiency upgrades that allow for organizations to play an active role in minimizing their carbon footprint. "We need financing to grow our business, but what bank would bet on a local biodiesel company? Self- Help Credit Union is that bank." - Blue Ridge Biofuels We build efficient homes. Building Efficient Homes We have built 98 affordable, certified energy-efficient homes that guarantee heating and cooling will cost less than $40 a month. By creating affordable housing options with low, stable energy costs, we strengthen economic resilience within the communities we serve while minimizing the environmental impact of these new properties throughout their lifespan. “The energy efficiency ratings of these homes, achieving the highest possible standards, provide the lowest monthly heating and cooling bills ... so low, in fact, that it is more economic to be a new homeowner here than to rent elsewhere.” - The Helen Adams Blog, “Agents for Change in Grier Heights” We invest in home energy. Investing in Home Energy We have invested $41.6 million in portfolios of home energy loans, financing energy-efficiency upgrades for 4,161 households. Half these loans are originated by our partner nonprofit lender, Craft3. This partnership helps low- and moderate-income homeowners reduce energy costs and strengthen the value of their homes, all while reducing greenhouse gases. “For more than ten years, our Home Energy Loan has helped homeowners across Oregon and Washington reduce energy use. We’re proud to expand access to credit by utilizing On-Bill Repayment, whereby a homeowner makes loan payments on their utility bill. This feature reduces risk and eliminates the up-front, out-of-pocket costs that often make upgrades unaffordable. Self-Help was a critical collaborator in this effort; their investment increased our liquidity, in turn allowing more families to access energy upgrades." - Adam Zimmerman, Craft3 President & CEO We invest in sustainable food systems. Investing in Sustainable Food Systems Community Foods Market is a full-service grocery store, health resource center and community hub that engages residents to lead healthier and more socially-connected lives. Self-Help’s $1,985,000 loan helped fund construction of the 14,000 square-foot grocery store to support the vibrant community of West Oakland. “My vision is that Community Foods will be a platform for social innovation and the start of a sustainable food ecosystem. It was important for me to work with trustworthy lenders aligned with that mission … Self-Help is passionate about the impact this project will have on the community." - Brahm Ahmadi, co-founder and CEO of Community Foods We help our borrowers save energy and water. Helping Our Borrowers Practice Sustainability At Self-Help, we make loans to encourage economic development in the communities we serve. Whether it's through energy efficiency upgrades or installing rooftop solar, we make it a priority to find ways to help our borrowers reduce their energy burden. “We revitalized our 1927 middle school facility with a combination of grant funding from the Community Foundation for Greater Atlanta’s Grants to Green program and financing from Self-Help Credit Union ...To date, these improvements have reduced our energy costs by over $20,000, and that money can go right back to teaching and learning." - Matt Underwood, Atlanta Neighborhood Charter School We reduce our impact. Reducing Our Impact At Self-Help, we have learned a lot from our environmental lending and make an effort to "walk the walk" of environmental stewardship within our organization. We work hard to minimize the environmental footprint of our facilities and commercial properties by investing in efficiency upgrades, optimizing utility consumption and educating our tenants on sustainable practices. Read this article. "Sustainability at Self-Help is, at heart, a team sport, driven by passion and commitment. We have developed a culture that constantly says yes to new ideas and new ways to pull together smart capital and measure success." - Melissa Malkin-Weber, Sustainability Director Join us in working for a better, greener world, and learn about how you can invest with us. Contact Ebony Perkins firstname.lastname@example.org and follow our Sustainability Director on Twitter @SelfHelpGreen. Resources Check out these tips from Self-Help’s Sustainability Director for saving energy in your small business, your home or apartment, and for keeping your space healthy. *Note: that $357 million is an updated impact figure. A previously reported number ($386) included some loans from our Food Systems sector that are now accounted for elsewhere.