A
The Health & Education Federal Credit Union
Rating Date
July 2025
Net Capital
Ratio
16.50
Leverage
Ratio
16.50
Return On
Assets
2.03%
Total
Assets
119.47M
Capital
18.47M
Total
Deposits
100.72M
Net
Income
1.21M
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Weiss Ratings The Health & Education Federal Credit Union
Lexington, KY 		Click to
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Rating A
Asset Quality Index 10.00
Capitalization Index 10.00
Liquidity Index 6.30
Profitability Index 9.80
Stability Index 10.00
Company Info The Health & Education Federal Credit Union
Lexington, KY 		Click to
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NCUA Charter Number 2175
Phone Number (859) 231-8262
Website www.thefcu.com
Asset Quality The Health & Education Federal Credit Union
Lexington, KY 		Click to
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1-Year Asset Growth 4.63%
5-Year Asset Growth 5.10%
5-Year Charge-Offs to Average Loans 0.07%
Charge-Offs to Average Loans 0.31%
Non-Performing Assets to Assets 0.21%
Non-Performing Loans to Capital 1.01%
Non-Performing Loans to Loans 0.42%
Balance Sheet The Health & Education Federal Credit Union
Lexington, KY 		Click to
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Total Assets 119.47M
Total Deposits 100.72M
Capital and Reserves The Health & Education Federal Credit Union
Lexington, KY 		Click to
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Capital 18.47M
Leverage Ratio 16.50
Loan Loss Reserves to Loans 0.42%
Liquidity The Health & Education Federal Credit Union
Lexington, KY 		Click to
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Hot Money Ratio 1.75%
Liquidity Ratio 42.47%
Profitability The Health & Education Federal Credit Union
Lexington, KY 		Click to
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5-Year Return on Average Assets 1.15%
Net Income 1.21M
Net Interest Spread 4.74%
Operating Profit to Average Assets 2.26%
Overhead Efficiency Ratio 47.20%
Return on Assets 2.03%
Return on Equity 13.59%