Side-by-side · Q2 2026 data
The Health & Education Federal Credit Union vs Commonwealth Federal Credit Union
Credit union
The Health & Education Federal Credit Union
Lexington, Kentucky · $100 million – $1 billion
Metric by metric
| Measure | The Health & Education Federal Credit Union | Commonwealth Federal Credit Union |
|---|---|---|
| TellerScore | 97 (stronger) | 73 |
| Capital cushion | 100 (stronger) | 63 |
| Loan quality | 92 (stronger) | 71 |
| Earnings | 95 (stronger) | 82 |
| Funding & liquidity | 100 (stronger) | 76 |
| Problem-loan coverage | 99 (stronger) | 88 |
| Peer percentile | 99th | 70th |
| Total assets | $125.8M | $2.9B |
| Deposits / shares | $104.5M | $2.6B |
| Capital ratio | 17.66% (stronger) | 11.26% |
| Problem loans | 0.23% (stronger) | 0.87% |
| Net charge-offs | 0.32% (stronger) | 0.94% |
| Return on assets | 1.87% (stronger) | 1.55% |
| Loans ÷ deposits | 43.4% (stronger) | 84.1% |
| Uninsured deposits | 2.5% (stronger) | 7.5% |
| Offices | 2 | 15 |
| 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 73). On the 7 directional measures above (where higher or lower is clearly better), The Health & Education Federal Credit Union leads on 7 and Commonwealth Federal Credit Union on 0. 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.