Side-by-side · Q2 2026 data
Community Trust Bank, Inc. 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 | Community Trust Bank, Inc. | The Health & Education Federal Credit Union |
|---|---|---|
| TellerScore | 80 | 97 (stronger) |
| Capital cushion | 84 | 100 (stronger) |
| Loan quality | 81 | 92 (stronger) |
| Earnings | 86 | 95 (stronger) |
| Funding & liquidity | 55 | 100 (stronger) |
| Problem-loan coverage | 93 | 99 (stronger) |
| Peer percentile | 90th | 99th |
| Total assets | $6.9B | $125.8M |
| Deposits / shares | $5.7B | $104.5M |
| Capital ratio | 13.43% | 17.66% (stronger) |
| Problem loans | 0.58% | 0.23% (stronger) |
| Net charge-offs | 0.09% (stronger) | 0.32% |
| Return on assets | 1.64% | 1.87% (stronger) |
| Loans ÷ deposits | 89.3% | 43.4% (stronger) |
| Uninsured deposits | 29.6% | 2.5% (stronger) |
| Offices | 78 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.9% | 9.7% |
The Health & Education Federal Credit Union has the higher TellerScore (97 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Community Trust Bank, Inc. leads on 1 and The Health & Education Federal Credit Union on 6. 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.