Side-by-side · Q2 2026 data
Citizens Guaranty Bank 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 | Citizens Guaranty Bank | The Health & Education Federal Credit Union |
|---|---|---|
| TellerScore | 48 | 97 (stronger) |
| Capital cushion | 36 | 100 (stronger) |
| Loan quality | 30 | 92 (stronger) |
| Earnings | 80 | 95 (stronger) |
| Funding & liquidity | 53 | 100 (stronger) |
| Problem-loan coverage | 53 | 99 (stronger) |
| Peer percentile | 6th | 99th |
| Total assets | $303.6M | $125.8M |
| Deposits / shares | $260.7M | $104.5M |
| Capital ratio | 8.65% | 17.66% (stronger) |
| Problem loans | 2.11% | 0.23% (stronger) |
| Net charge-offs | 0.32% (stronger) | 0.32% |
| Return on assets | 1.51% | 1.87% (stronger) |
| Loans ÷ deposits | 107.0% | 43.4% (stronger) |
| Uninsured deposits | 14.1% | 2.5% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.7% |
The Health & Education Federal Credit Union has the higher TellerScore (97 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Citizens Guaranty Bank leads on 1 and The Health & Education Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.