Howard County Education Federal Credit Union

Overview / Commentary
3458 Ellicott Center Dr Ste 106
Ellicott City, MD 21043

Howard County Education Federal Credit Union is headquartered in Ellicott City and is the 56th largest credit union in the state of Maryland. It is also the 3,230th largest credit union in the nation. It was established in 1953 and as of December of 2019, it had grown to 7 employees and 4,093 members at 1 location. Howard County Education Federal Credit Union has a C+ health rating.

Field of Membership Restrictions

Membership is open to employees and students of Howard County Public School System.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Howard County Education Federal Credit Union has a low asset base.

Health Grade Components

NCUA #8642
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD0.09%
Return on Equity - YTD0.86%
Annual Interest Income$1.0MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$22.0MM$21.3MM
LoansQ4 2019vs Q4 2018$15.5MM$16.9MM
DepositsQ4 2019vs Q4 2018$19.7MM$18.8MM
Equity CapitalQ4 2019vs Q4 2018$2.2MM$2.2MM
Loan Loss AllowanceQ4 2019vs Q4 2018$112.00K$80.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$371.00K$136.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$0
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Howard County Education Federal Credit Union CD Rates

0.50%$1k-3 Year Special Share Certificate
0.30%$1k-2 Year Special Share Certificate
0.20%$1k-1 Year Special Share Certificate
0.15%$1k-6 Month Special Share Certificate

Howard County Education Federal Credit Union Locations
Branch Office3458 Ellicott Center Dr Ste 106Ellicott City, MD 21043-4178

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