Side-by-side · Q2 2026 data
The Health & Education Federal Credit Union vs Members Heritage 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 | Members Heritage Credit Union |
|---|---|---|
| TellerScore | 97 (stronger) | 71 |
| Capital cushion | 100 (stronger) | 74 |
| Loan quality | 92 (stronger) | 69 |
| Earnings | 95 (stronger) | 47 |
| Funding & liquidity | 100 (stronger) | 87 |
| Problem-loan coverage | 99 (stronger) | 91 |
| Peer percentile | 99th | 54th |
| Total assets | $125.8M | $590.8M |
| Deposits / shares | $104.5M | $515.8M |
| Capital ratio | 17.66% (stronger) | 12.39% |
| Problem loans | 0.23% (stronger) | 0.92% |
| Net charge-offs | 0.32% | 0.26% (stronger) |
| Return on assets | 1.87% (stronger) | 0.68% |
| Loans ÷ deposits | 43.4% (stronger) | 72.9% |
| Uninsured deposits | 2.5% (stronger) | 7.0% |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.7% | 3.5% |
The Health & Education Federal Credit Union has the higher TellerScore (97 vs 71). On the 7 directional measures above (where higher or lower is clearly better), The Health & Education Federal Credit Union leads on 6 and Members Heritage Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.