Overview / Commentary
424 Park Pl
Lexington, KY 40511-1829

The Health & Education Federal Credit Union is headquartered in Lexington and is the 16th largest credit union in the state of Kentucky. It is also the 1,737th largest credit union in the nation. It was established in 1956 and as of June of 2018, it had grown to 16 employees and 16,835 members at 2 locations. The Health & Education Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership is open to all county school systems in the Lexington area, Georgetown College, Asbury Seminary, Asbury University, Central Baptist Hospital, Shriners Hospital and other colleges and health care providers.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. The Health & Education Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #10800
Year Chartered1956
Primary Regulator
Profit Margin
Return on Assets - YTD0.61%
Return on Equity - YTD5.63%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$88.0MM$87.0MM
LoansQ2 2018vs Q2 2017$33.0MM$32.6MM
DepositsQ2 2018vs Q2 2017$79.0MM$78.1MM
Equity CapitalQ2 2018vs Q2 2017$9.5MM$9.3MM
Loan Loss AllowanceQ2 2018vs Q2 2017$118.00K$96.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$110.00K$113.00K
Real Estate OwnedQ2 2018vs Q2 2017$0$0
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The Health & Education Federal Credit Union Savings Account Rates

0.20%--IRA Account
0.10%--Saving Account
0.10%--Vacation Club Account
0.10%--Christmas Club Account

The Health & Education Federal Credit Union CD Rates

2.01%$1k-5 Year CD
1.86%$1k-4 Year CD
1.51%$1k-3 Year CD
1.26%$1k-2 Year CD
0.90%$1k-1 Year CD

The Health & Education Federal Credit Union Locations
Branch Office185 Pasadena Dr Ste 155Lexington, KY 40503-2975
Branch Office424 Park PlLexington, KY 40511-1829

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