Federal credit union · Lexington, Kentucky · NCUA charter #10800
The Health & Education
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $121.2M
- Total assets
- 12,222
- Members
- 17.2%
- Net-worth ratio
The Health & Education scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $121.2M; members 12,222; net-worth ratio 17.21%; health rank #2,543 of 4,374; healthier than 39th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,543 of 4,374 health · 2025Q4The Health & Education · health 81/100 · $121.2M · 2025Q4
Call Report peers
The Health & Education in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
The Health & Education vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); The Health & Education sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where The Health & Education diverges from peer averages
- Largest favorable gap: Net Worth Ratio at 17.21% vs peer 12.11% (+5.10 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -28.36 pp (43.84% vs 72.20%).
Kentucky standing for The Health & Education
- In Kentucky, health place is #31 of 54 on the same NCUA-ratio sort used nationally.
- Kentucky assets place: #16 of 54.
- Member book place in Kentucky: #15 of 54.
- One place up in Kentucky, PARK (#30) ties at 81/100; one place down, Northern Kentucky (#32) ties at 81/100.
The Health & Education Call Report trajectory
The Health & Education: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.3% from $121.2M (2025Q4) to $125.3M (2026Q1).
- Net-worth ratio shifted -0.14 pp (17.35% → 17.21%).
This credit union's 17.21% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 81/100 score is built
The Health & Education gives up 19 points in total. Member Growth costs the most, 13.2 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.3 pts
- Return on Assets 15.0 pts
- Member Growth 1.8 pts
- Loan-to-Share Ratio 9.9 pts
The Health & Education health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.21% | +5.10 pp |
| Delinquency Rate | 0.57% | -0.32 pp |
| Return on Assets | 1.98% | +1.36 pp |
| Member Growth | -4.01% | - |
| Loan-to-Share Ratio | 43.84% | -28.36 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
The Health & Education quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $125.3M | - |
| 2025Q4 | $121.2M | 12,222 |
| 2024Q4 | $115.9M | 12,732 |
| 2023Q4 | $111.6M | 12,491 |
Credit Union Details
- Charter Number
- 10800
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Kentucky
- City
- Lexington
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for The Health & Education.
| Office | City |
|---|---|
| Main Office (Main Office) | Lexington, KY |
| Pasadena Branch | Lexington, KY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kentucky
A look at other Kentucky credit unions, ranked by how closely their peer group and asset size match this one.
The Health & Education nationwide neighbourhoods
Similar total assets
Using this data
- The Health & Education ranks #2,543 of 4,374 nationally on financial health and #31 of 54 in KY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- EXPREE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with EXPREE
Frequently Asked Questions
Is The Health & Education financially healthy?
The Health & Education has a financial health score of 81/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,543 of 4,374 nationally on health and #31 of 54 in Kentucky. Its net worth ratio is 17.21% and its delinquency rate 0.57%.
How does The Health & Education compare to other credit unions?
The Health & Education scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (17.21% vs 12.11%). Its widest shortfall is loan-to-share ratio (43.84% vs 72.20%).
How can I join The Health & Education?
The Health & Education operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact The Health & Education directly for the exact boundaries and application steps.
Is my money safe at The Health & Education?
The Health & Education is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. The Health & Education's net worth ratio of 17.21% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.