Side-by-side · Q2 2026 data
The Health & Education Federal Credit Union vs Expree 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 | Expree Credit Union |
|---|---|---|
| TellerScore | 97 (stronger) | 66 |
| Capital cushion | 100 (stronger) | 59 |
| Loan quality | 92 (stronger) | 74 |
| Earnings | 95 (stronger) | 53 |
| Funding & liquidity | 100 (stronger) | 71 |
| Problem-loan coverage | 99 (stronger) | 89 |
| Peer percentile | 99th | 37th |
| Total assets | $125.8M | $119.1M |
| Deposits / shares | $104.5M | $105.4M |
| Capital ratio | 17.66% (stronger) | 10.86% |
| Problem loans | 0.23% (stronger) | 0.77% |
| Net charge-offs | 0.32% (stronger) | 0.55% |
| Return on assets | 1.87% (stronger) | 0.82% |
| Loans ÷ deposits | 43.4% (stronger) | 89.0% |
| Uninsured deposits | 2.5% (stronger) | 9.7% |
| Offices | 2 | 1 |
| 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), The Health & Education Federal Credit Union leads on 7 and Expree Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.