Side-by-side · Q2 2026 data
Howard County Education Federal Credit Union vs Mncppc 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 | Mncppc Federal Credit Union |
|---|---|---|
| TellerScore | 51 (stronger) | 36 |
| Capital cushion | 61 | 62 (stronger) |
| Loan quality | 8 (stronger) | 0 |
| Earnings | 51 (stronger) | 0 |
| Funding & liquidity | 91 | 97 (stronger) |
| Problem-loan coverage | 70 (stronger) | 31 |
| Peer percentile | 10th | 2nd |
| Total assets | $25.0M | $16.7M |
| Deposits / shares | $22.1M | $14.8M |
| Capital ratio | 11.14% | 11.22% (stronger) |
| Problem loans | 2.76% (stronger) | 6.96% |
| Net charge-offs | 0.00% (stronger) | 0.55% |
| Return on assets | 0.78% (stronger) | -1.45% |
| Loans ÷ deposits | 69.5% | 63.2% (stronger) |
| Uninsured deposits | 1.2% (stronger) | 7.4% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Howard County Education Federal Credit Union has the higher TellerScore (51 vs 36). On the 7 directional measures above (where higher or lower is clearly better), Howard County Education Federal Credit Union leads on 5 and Mncppc Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.