The Health & Education Federal Credit Union

Lexington, KY

Rating Date

December 2025

Net Capital
Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

Net
Income

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Weiss Ratings	The Health & Education Federal Credit Union Lexington, KY	Click to Compare	Click to Compare	Click to Compare
Rating	A
Asset Quality Index	10.00
Capitalization Index	10.00
Liquidity Index	6.20
Profitability Index	10.00
Stability Index	10.00

Company Info	The Health & Education Federal Credit Union Lexington, KY	Click to Compare	Click to Compare	Click to Compare
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 Compare	Click to Compare	Click to Compare
1-Year Asset Growth	4.09%
5-Year Asset Growth	5.10%
5-Year Charge-Offs to Average Loans	0.07%
Charge-Offs to Average Loans	0.23%
Non-Performing Assets to Assets	0.20%
Non-Performing Loans to Capital	1.20%
Non-Performing Loans to Loans	0.53%

Balance Sheet	The Health & Education Federal Credit Union Lexington, KY	Click to Compare	Click to Compare	Click to Compare
Total Assets	119.44M
Total Deposits	99.94M

Capital and Reserves	The Health & Education Federal Credit Union Lexington, KY	Click to Compare	Click to Compare	Click to Compare
Capital	19.21M
Leverage Ratio	17.10
Loan Loss Reserves to Loans	0.44%

Liquidity	The Health & Education Federal Credit Union Lexington, KY	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	1.38%
Liquidity Ratio	40.85%

Profitability	The Health & Education Federal Credit Union Lexington, KY	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	1.15%
Net Income	1.93M
Net Interest Spread	4.78%
Operating Profit to Average Assets	2.33%
Overhead Efficiency Ratio	47.35%
Return on Assets	2.15%
Return on Equity	14.15%