Side-by-side · Q2 2026 data
Howard County Education Federal Credit Union vs Hema Federal Credit Union
Credit union
Howard County Education Federal Credit Union
Ellicott City, Maryland · Under $100 million in assets
Metric by metric
| Measure | Howard County Education Federal Credit Union | Hema Federal Credit Union |
|---|---|---|
| TellerScore | 51 | 60 (stronger) |
| Capital cushion | 61 (stronger) | 48 |
| Loan quality | 8 | 81 (stronger) |
| Earnings | 51 (stronger) | 3 |
| Funding & liquidity | 91 | 100 (stronger) |
| Problem-loan coverage | 70 | 95 (stronger) |
| Peer percentile | 10th | 22nd |
| Total assets | $25.0M | $16.7M |
| Deposits / shares | $22.1M | $15.0M |
| Capital ratio | 11.14% (stronger) | 9.78% |
| Problem loans | 2.76% | 0.58% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.09% |
| Return on assets | 0.78% (stronger) | -0.41% |
| Loans ÷ deposits | 69.5% | 46.1% (stronger) |
| Uninsured deposits | 1.2% | 0.0% (stronger) |
| Offices | 1 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Hema Federal Credit Union has the higher TellerScore (60 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Howard County Education Federal Credit Union leads on 3 and Hema Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.