Side-by-side · Q2 2026 data
Central Bank & Trust Co. vs The Health & Education Federal Credit Union
Credit union
The Health & Education Federal Credit Union
Lexington, Kentucky · $100 million – $1 billion
Metric by metric
| Measure | Central Bank & Trust Co. | The Health & Education Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 97 (stronger) |
| Capital cushion | 74 | 100 (stronger) |
| Loan quality | 93 (stronger) | 92 |
| Earnings | 71 | 95 (stronger) |
| Funding & liquidity | 42 | 100 (stronger) |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 80th | 99th |
| Total assets | $4.0B | $125.8M |
| Deposits / shares | $3.1B | $104.5M |
| Capital ratio | 12.42% | 17.66% (stronger) |
| Problem loans | 0.21% (stronger) | 0.23% |
| Net charge-offs | -0.04% (stronger) | 0.32% |
| Return on assets | 1.27% | 1.87% (stronger) |
| Loans ÷ deposits | 95.7% | 43.4% (stronger) |
| Uninsured deposits | 35.1% | 2.5% (stronger) |
| Offices | 29 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | 9.7% |
The Health & Education Federal Credit Union has the higher TellerScore (97 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Central Bank & Trust Co. leads on 2 and The Health & Education Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.