Side-by-side · Q2 2026 data
The Farmers 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 | The Farmers Bank | The Health & Education Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 97 (stronger) |
| Capital cushion | 60 | 100 (stronger) |
| Loan quality | 100 (stronger) | 92 |
| Earnings | 61 | 95 (stronger) |
| Funding & liquidity | 83 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 72nd | 99th |
| Total assets | $282.7M | $125.8M |
| Deposits / shares | $250.7M | $104.5M |
| Capital ratio | 11.00% | 17.66% (stronger) |
| Problem loans | 0.00% (stronger) | 0.23% |
| Net charge-offs | 0.07% (stronger) | 0.32% |
| Return on assets | 1.03% | 1.87% (stronger) |
| Loans ÷ deposits | 71.6% | 43.4% (stronger) |
| Uninsured deposits | 19.9% | 2.5% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.7% | 9.7% |
The Health & Education Federal Credit Union has the higher TellerScore (97 vs 78). On the 7 directional measures above (where higher or lower is clearly better), The Farmers Bank leads on 2 and The Health & Education Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.