C-Plant vs The Health & Education
Comparing a Credit Union in Paducah, KY with a Credit Union in Lexington, KY using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| C-Plant ↗ Credit Union · Paducah, KY · Est. 1951 | The Health & Education ↗ Credit Union · Lexington, KY · Est. 1956 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Paducah, KY | Lexington, KY |
| Total assets | $363.3M | $125.3M |
| Net worth ratio | 14.6% | 17.2% |
| Return on assets | 1.3% | 1.7% |
| Shares & deposits | — | — |
| Members | 15,892 | 12,288 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 52 | #4 of 52 |
| Established | 1951 | 1956 |
C-Plant
- Assets: $363.3M
- Members: 15,892
- Capital ratio: 14.6%
- Return on assets: 1.3%
- CFPB complaints: 0
- State rank: #1 of 52
The Health & Education
- Assets: $125.3M
- Members: 12,288
- Capital ratio: 17.2%
- Return on assets: 1.7%
- CFPB complaints: 0
- State rank: #4 of 52
Are both institutions federally insured?
Yes. C-Plant is NCUA-insured and The Health & Education is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, C-Plant or The Health & Education?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — C-Plant scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is C-Plant safe?
Yes — C-Plant is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is The Health & Education safe?
Yes — The Health & Education is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of C-Plant vs The Health & Education?
C-Plant has a net worth ratio of 14.6%, placing it in the top 15% of $100M–1B peers. The Health & Education's ratio is 17.2%, placing it in the top 6% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does C-Plant have compared to The Health & Education?
The CFPB database shows 0 complaints against C-Plant, and 0 complaints against The Health & Education. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare C-Plant with other Credit Unions in Kentucky
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
