Side-by-side · Q2 2026 data
Howard County Education Federal Credit Union vs W S S C Federal Credit Union
Credit union
Howard County Education Federal Credit Union
Ellicott City, Maryland · Under $100 million in assets
Credit union
W S S C Federal Credit Union
Laurel, Maryland · Under $100 million in assets
Metric by metric
| Measure | Howard County Education Federal Credit Union | W S S C Federal Credit Union |
|---|---|---|
| TellerScore | 51 (stronger) | 50 |
| Capital cushion | 61 (stronger) | 51 |
| Loan quality | 8 | 35 (stronger) |
| Earnings | 51 (stronger) | 14 |
| Funding & liquidity | 91 | 99 (stronger) |
| Problem-loan coverage | 70 | 79 (stronger) |
| Peer percentile | 10th | 9th |
| Total assets | $25.0M | $35.4M |
| Deposits / shares | $22.1M | $31.9M |
| Capital ratio | 11.14% (stronger) | 10.13% |
| Problem loans | 2.76% | 1.95% (stronger) |
| Net charge-offs | 0.00% (stronger) | 1.32% |
| Return on assets | 0.78% (stronger) | -0.16% |
| Loans ÷ deposits | 69.5% | 61.4% (stronger) |
| Uninsured deposits | 1.2% (stronger) | 5.0% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Howard County Education Federal Credit Union has the higher TellerScore (51 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Howard County Education Federal Credit Union leads on 5 and W S S C Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.