Side-by-side · Q2 2026 data
Lm Federal Credit Union 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 | Lm Federal Credit Union | Howard County Education Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 51 |
| Capital cushion | 74 (stronger) | 61 |
| Loan quality | 95 (stronger) | 8 |
| Earnings | 76 (stronger) | 51 |
| Funding & liquidity | 80 | 91 (stronger) |
| Problem-loan coverage | 98 (stronger) | 70 |
| Peer percentile | 72nd | 10th |
| Total assets | $60.3M | $25.0M |
| Deposits / shares | $52.5M | $22.1M |
| Capital ratio | 12.40% (stronger) | 11.14% |
| Problem loans | 0.14% (stronger) | 2.76% |
| Net charge-offs | 0.07% | 0.00% (stronger) |
| Return on assets | 1.41% (stronger) | 0.78% |
| Loans ÷ deposits | 80.4% | 69.5% (stronger) |
| Uninsured deposits | 6.7% | 1.2% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lm Federal Credit Union has the higher TellerScore (83 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Lm Federal Credit Union leads on 4 and Howard County Education Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.