Side-by-side · Q2 2026 data
Howard County Education Federal Credit Union vs Ferko Md Federal Credit Union
Credit union
Howard County Education Federal Credit Union
Ellicott City, Maryland · Under $100 million in assets
Credit union
Ferko Md Federal Credit Union
Frederick, Maryland · Under $100 million in assets
Metric by metric
| Measure | Howard County Education Federal Credit Union | Ferko Md Federal Credit Union |
|---|---|---|
| TellerScore | 51 | 94 (stronger) |
| Capital cushion | 61 | 100 (stronger) |
| Loan quality | 8 | 81 (stronger) |
| Earnings | 51 | 97 (stronger) |
| Funding & liquidity | 91 | 100 (stronger) |
| Problem-loan coverage | 70 | 98 (stronger) |
| Peer percentile | 10th | 95th |
| Total assets | $25.0M | $30.1M |
| Deposits / shares | $22.1M | $24.2M |
| Capital ratio | 11.14% | 19.44% (stronger) |
| Problem loans | 2.76% | 0.58% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 0.78% | 1.93% (stronger) |
| Loans ÷ deposits | 69.5% | 45.3% (stronger) |
| Uninsured deposits | 1.2% | 0.1% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ferko Md Federal Credit Union has the higher TellerScore (94 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Howard County Education Federal Credit Union leads on 1 and Ferko Md Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.