TellerScore

Howard County Education Federal Credit Union (NCUA charter #8642) is based in Ellicott City, Maryland. Its Q2 2026 call report shows $25.0M in total assets and $22.1M in member shares and deposits and 1 office.

Based on its Q2 2026 filing, Howard County Education Federal Credit Union scores 51/100, which we describe as below average. That is higher than only 10% of 2,479 credit unions with under $100 million in assets. Among 60 credit unions headquartered in Maryland, it ranks 56th. Its strongest component is funding & liquidity (91/100; 69% loans-to-deposits, 1% uninsured), and its lowest is loan quality (8/100; 2.76%).

TellerScore · Q2 2026

Scorecard

Capital cushion61/100
Net worth ratio: 11.14%
Loan quality8/100
Loans 60+ days delinquent ÷ total loans: 2.76%
Earnings51/100
Return on assets (annualized): 0.78%
Funding & liquidity91/100
Loans ÷ shares: 69.5% · 1.2% uninsured
Problem-loan coverage70/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 15.24%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 7 points (58 → 51), mostly because the loan quality component weakened by 29 points.

TellerScore
505866Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202461
Q4 202454
Q1 202564
Q2 202558
Q3 202566
Q4 202555
Q1 202650
Q2 202651
Net worth ratio
7.00%9.07%11.14%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.77%
Q3 202410.16%
Q4 202410.21%
Q1 202510.19%
Q2 202510.47%
Q3 202510.75%
Q4 202510.78%
Q1 202610.93%
Q2 202611.14%
Delinquent loans (60+ days)
0.73%1.97%3.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.73%
Q3 20241.20%
Q4 20241.74%
Q1 20251.45%
Q2 20251.89%
Q3 20251.12%
Q4 20252.15%
Q1 20263.21%
Q2 20262.76%
Return on assets
0.38%0.81%1.25%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.38%
Q3 20240.60%
Q4 20240.41%
Q1 20251.25%
Q2 20250.88%
Q3 20250.85%
Q4 20250.72%
Q1 20261.05%
Q2 20260.78%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202651$25.0M11.14%2.76%0.78%69.5%
Q1 202650$25.2M10.93%3.21%1.05%69.2%
Q4 202555$24.9M10.78%2.15%0.72%71.4%
Q3 202566$25.0M10.75%1.12%0.85%71.9%
Q2 202558$25.2M10.47%1.89%0.88%72.3%
Q1 202564$25.6M10.19%1.45%1.25%71.1%
Q4 202454$24.7M10.21%1.74%0.41%75.0%
Q3 202461$25.2M10.16%1.20%0.60%71.4%
Q2 202463$25.5M9.77%0.73%0.38%69.5%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.14%
25th
Problem loans2.76%
14th
Net charge-offs0.00%
77th
Return on assets0.78%
57th
Loans to deposits69.5%
34th
Uninsured deposits1.2%
52nd
Loan-loss reserves0.00%
37th
Texas ratio15.2%
7th

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I B E W 26 Federal Credit UnionCredit union Lanham, MD57 out of 100, Moderate$29.9M7.6%0.75%vs
Ferko Md Federal Credit UnionCredit union Frederick, MD94 out of 100, Very strong$30.1M19.4%0.58%vs
Mncppc Federal Credit UnionCredit union College Park, MD36 out of 100, Low$16.7M11.2%6.96%vs

Deposit insurance

Is my money safe at Howard County Education Federal Credit Union?

Yes. Howard County Education Federal Credit Union is a federally insured credit union (NCUA charter #8642). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 1.2% of shares and deposits ($258K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 11.14%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Howard County Education Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Howard County Education Federal Credit Union
Type
Federal credit union
NCUA charter #
8642
RSSD ID
323781
Primary regulator
NCUA
Established
1953
Headquarters
3458 Ellicott Center Dr Ste 106, Ellicott City, MD 21043
Employees
9

Quick answers

Howard County Education Federal Credit Union: common questions

Is Howard County Education Federal Credit Union NCUA insured?

Yes. Howard County Education Federal Credit Union is a federally insured credit union (NCUA charter #8642). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Howard County Education Federal Credit Union's TellerScore?

51 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Howard County Education Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Ellicott City

InstitutionScoreAssetsCapitalProblem loansCompare
Mt. Jezreel Federal Credit UnionCredit union Silver Spring, MD84 out of 100, Strong$191K20.1%0.00%vs
Tower Federal Credit UnionCredit union Laurel, MD83 out of 100, Strong$5.0B14.3%0.39%vs
Lm Federal Credit UnionCredit union Baltimore, MD83 out of 100, Strong$60.3M12.4%0.14%vs
BayVanguard BankBank Baltimore, MD80 out of 100, Strong$868.7M17.1%0.48%vs
Homewood Federal Savings BankBank Baltimore, MD80 out of 100, Strong$67.3M26.1%0.00%vs
Prince George'S Community Federal Credit UnionCredit union Bowie, MD80 out of 100, Strong$337.0M13.5%0.84%vs