Side-by-side · Q2 2026 data
Forcht Bank, National Association 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 | Forcht Bank, National Association | The Health & Education Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 97 (stronger) |
| Capital cushion | 32 | 100 (stronger) |
| Loan quality | 98 (stronger) | 92 |
| Earnings | 50 | 95 (stronger) |
| Funding & liquidity | 80 | 100 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 40th | 99th |
| Total assets | $1.6B | $125.8M |
| Deposits / shares | $1.5B | $104.5M |
| Capital ratio | 8.16% | 17.66% (stronger) |
| Problem loans | 0.05% (stronger) | 0.23% |
| Net charge-offs | 0.01% (stronger) | 0.32% |
| Return on assets | 0.74% | 1.87% (stronger) |
| Loans ÷ deposits | 75.1% | 43.4% (stronger) |
| Uninsured deposits | 19.9% | 2.5% (stronger) |
| Offices | 22 | 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 66). On the 7 directional measures above (where higher or lower is clearly better), Forcht Bank, National Association 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.