Charter 10800 · Lexington, KY
The Health & Education Federal Credit Union
The Health & Education Federal Credit Union is a federally chartered credit union in Lexington, Kentucky, with $126 million in assets and 12,072 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 17.66%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $126 million
- +5.3% in a year
- Members
- 12,072
- -5.9% in a year
- Net worth ratio
- 17.66%
- Peer median 11.65%
- Loans 60+ days late
- 0.23%
- Peer median 0.70%
- Loans outstanding
- $45.4 million
- +5.7% in a year
- Shares and deposits
- $104 million
- +3.7% in a year
- Branches
- 2
- 21 employees
- Opened
- 1956
- Federal charter
How The Health & Education Federal Credit Union compares
NCUA groups credit unions by size; The Health & Education Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 17.66% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.23%, is lower than the group median of 0.70%. Loans grew 5.7% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 16 of 51 credit unions headquartered in Kentucky. See all Kentucky credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $126 million | 12,072 | $45.4 million | 17.66% | 0.23% |
| Q1 2026 | $125 million | 12,288 | $44.7 million | 17.21% | 0.31% |
| Q4 2025 | $121 million | 12,222 | $44.4 million | 17.35% | 0.57% |
| Q3 2025 | $119 million | 12,173 | $44.2 million | 17.10% | 0.53% |
| Q2 2025 | $119 million | 12,825 | $42.9 million | 16.50% | 0.57% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 25,000 potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 2 sites for The Health & Education Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Main Office (main office)
424 Park Pl, Lexington, KY 40511 - Pasadena Branch
185 Pasadena Dr Ste 155, Lexington, KY 40503
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology