TellerScore

The Health & Education Federal Credit Union (NCUA charter #10800) is based in Lexington, Kentucky. Its Q2 2026 call report shows $125.8M in total assets and $104.5M in member shares and deposits and 2 offices.

The Health & Education Federal Credit Union has a TellerScore of 97 out of 100 (very strong) based on Q2 2026 data — higher than 99% of its 1,341 credit unions with $100 million – $1 billion. Among 51 credit unions headquartered in Kentucky, it ranks 1st. Capital cushion contributes the most (100/100, 17.66%); loan quality contributes the least (92/100, 0.23%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.66%
Loan quality92/100
Loans 60+ days delinquent ÷ total loans: 0.23%
Earnings95/100
Return on assets (annualized): 1.87%
Funding & liquidity100/100
Loans ÷ shares: 43.4% · 2.5% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.46%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (95 → 97), mostly because the loan quality component improved by 11 points.

TellerScore
949697Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202497
Q3 202495
Q4 202494
Q1 202595
Q2 202595
Q3 202595
Q4 202595
Q1 202695
Q2 202697
Net worth ratio
7.00%12.33%17.66%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.18%
Q3 202415.59%
Q4 202415.97%
Q1 202515.82%
Q2 202516.50%
Q3 202517.10%
Q4 202517.35%
Q1 202617.21%
Q2 202617.66%
Delinquent loans (60+ days)
0.23%0.43%0.64%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.32%
Q3 20240.59%
Q4 20240.64%
Q1 20250.42%
Q2 20250.57%
Q3 20250.53%
Q4 20250.57%
Q1 20260.31%
Q2 20260.23%
Return on assets
1.70%1.93%2.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.16%
Q3 20242.08%
Q4 20242.07%
Q1 20251.82%
Q2 20252.03%
Q3 20252.15%
Q4 20252.08%
Q1 20261.70%
Q2 20261.87%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202697$125.8M17.66%0.23%1.87%43.4%
Q1 202695$125.3M17.21%0.31%1.70%42.7%
Q4 202595$121.2M17.35%0.57%2.08%43.8%
Q3 202595$119.4M17.10%0.53%2.15%44.2%
Q2 202595$119.5M16.50%0.57%2.03%42.6%
Q1 202595$120.4M15.82%0.42%1.82%42.1%
Q4 202494$115.9M15.97%0.64%2.07%43.5%
Q3 202495$114.7M15.59%0.59%2.08%43.2%
Q2 202497$114.2M15.18%0.32%2.16%43.3%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio17.66%
94th
Problem loans0.23%
88th
Net charge-offs0.32%
54th
Return on assets1.87%
96th
Loans to deposits43.4%
94th
Uninsured deposits2.5%
87th
Loan-loss reserves0.00%
50th
Texas ratio0.5%
94th

Similar-size credit unions in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
Expree Credit UnionCredit union Frankfort, KY66 out of 100, Moderate$119.1M10.9%0.77%vs
Advanz Federal Credit UnionCredit union Louisville, KY85 out of 100, Very strong$161.6M15.6%0.54%vs
Autotruck Financial Credit UnionCredit union Louisville, KY72 out of 100, Strong$220.4M13.1%1.22%vs
Service One Credit UnionCredit union Bowling Green, KY53 out of 100, Below average$269.1M9.5%1.40%vs
Class Act Federal Credit UnionCredit union Louisville, KY71 out of 100, Strong$365.0M10.8%0.62%vs
C-Plant Federal Credit UnionCredit union Paducah, KY92 out of 100, Very strong$365.9M14.7%0.16%vs

Deposit insurance

Is my money safe at The Health & Education Federal Credit Union?

Yes. The Health & Education Federal Credit Union is a federally insured credit union (NCUA charter #10800). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 2.5% of shares and deposits ($2.6M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 17.66%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

The Health & Education Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Health & Education Federal Credit Union reported 64 home-loan applications under HMDA (LEI 254900DNIQ7KXCPZFR45): 56 originated ($5,510,000 total), 6 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
The Health & Education Federal Credit Union
Type
Federal credit union
NCUA charter #
10800
RSSD ID
211280
Primary regulator
NCUA
Established
1956
Headquarters
424 Park Pl, Lexington, KY 40511
Employees
21

Quick answers

The Health & Education Federal Credit Union: common questions

Is The Health & Education Federal Credit Union NCUA insured?

Yes. The Health & Education Federal Credit Union is a federally insured credit union (NCUA charter #10800). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is The Health & Education Federal Credit Union's TellerScore?

97 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does The Health & Education Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Lexington

InstitutionScoreAssetsCapitalProblem loansCompare
Whitaker BankBank Lexington, KY84 out of 100, Strong$1.9B12.9%0.21%vs
Republic Bank & Trust CompanyBank Louisville, KY84 out of 100, Strong$7.1B14.8%0.56%vs
Guardian Savings BankBank West Chester, OH83 out of 100, Strong$1.4B11.4%0.20%vs
Transcend Credit UnionCredit union Louisville, KY83 out of 100, Strong$588.3M13.4%0.13%vs
Community Trust Bank, Inc.Bank Pikeville, KY80 out of 100, Strong$6.9B13.4%0.58%vs
Blue Grass Federal Savings and Loan AssociationBank Paris, KY79 out of 100, Strong$58.5M15.9%0.00%vs