Side-by-side · Q2 2026 data
Homewood Federal Savings Bank vs Howard County Education Federal Credit Union
Credit union
Howard County Education Federal Credit Union
Ellicott City, Maryland · Under $100 million in assets
Metric by metric
| Measure | Homewood Federal Savings Bank | Howard County Education Federal Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 51 |
| Capital cushion | 100 (stronger) | 61 |
| Loan quality | 100 (stronger) | 8 |
| Earnings | 35 | 51 (stronger) |
| Funding & liquidity | 50 | 91 (stronger) |
| Problem-loan coverage | 100 (stronger) | 70 |
| Peer percentile | 66th | 10th |
| Total assets | $67.3M | $25.0M |
| Deposits / shares | $50.0M | $22.1M |
| Capital ratio | 26.12% (stronger) | 11.14% |
| Problem loans | 0.00% (stronger) | 2.76% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.36% | 0.78% (stronger) |
| Loans ÷ deposits | 111.2% | 69.5% (stronger) |
| Uninsured deposits | 3.0% | 1.2% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Homewood Federal Savings Bank has the higher TellerScore (80 vs 51). On the 6 directional measures above (where higher or lower is clearly better), Homewood Federal Savings Bank leads on 3 and Howard County Education Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.