THE HEALTH & EDUCATION
Charter #10800 · Lexington, KY · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 17.21% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.73% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.88% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.27% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 52.68% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | THE HEALTH & EDUCATION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $125.25M | 16th pct | 41th pct |
| Members | 12,288 | 46th pct | 69th pct |
| Net worth ratio | 17.21% | 93th pct | 82th pct |
| Return on average assets | 1.73% | 93th pct | 87th pct |
| Net interest margin | 3.88% | 65th pct | 79th pct |
| Cost of funds | 0.27% | 12th pct | 11th pct |
| Loan-to-share | 42.68% | 6th pct | 23th pct |
| Delinquency 60+ days | 0.31% | 23th pct | 31th pct |
| Net charge-off ratio | 0.28% | 41th pct | 43th pct |
| Loan growth YoY | 1.06% | 57th pct | 69th pct |
| Share growth YoY | 4.74% | 68th pct | 64th pct |
| Efficiency ratio | 52.68% | 3th pct | 2th pct |
structural peer set hash: 546a742c04fa1d87c67d14a1df6a56db… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.