Side-by-side · Q2 2026 data
Class Act Federal Credit Union 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 | Class Act Federal Credit Union | The Health & Education Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 97 (stronger) |
| Capital cushion | 59 | 100 (stronger) |
| Loan quality | 79 | 92 (stronger) |
| Earnings | 60 | 95 (stronger) |
| Funding & liquidity | 82 | 100 (stronger) |
| Problem-loan coverage | 92 | 99 (stronger) |
| Peer percentile | 54th | 99th |
| Total assets | $365.0M | $125.8M |
| Deposits / shares | $320.8M | $104.5M |
| Capital ratio | 10.85% | 17.66% (stronger) |
| Problem loans | 0.62% | 0.23% (stronger) |
| Net charge-offs | 0.61% | 0.32% (stronger) |
| Return on assets | 1.00% | 1.87% (stronger) |
| Loans ÷ deposits | 77.8% | 43.4% (stronger) |
| Uninsured deposits | 3.3% | 2.5% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 27.0% | 9.7% |
The Health & Education Federal Credit Union has the higher TellerScore (97 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Class Act Federal Credit Union leads on 0 and The Health & Education Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.