Howard County Education Federal Credit Union

Overview / Commentary
3458 Ellicott Center Dr Ste 106
Ellicott City, MD 21043-4178

Howard County Education Federal Credit Union is headquartered in Ellicott City and is the 54th largest credit union in the state of Maryland. It is also the 3,274th largest credit union in the nation. It was established in 1953 and as of December of 2018, it had grown to 6 employees and 4,084 members at 1 location. Howard County Education Federal Credit Union has a B 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 - YTD0.59%
Return on Equity - YTD5.74%
Annual Interest Income$986.00K
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$21.3MM$21.0MM
LoansQ4 2018vs Q4 2017$16.9MM$15.0MM
DepositsQ4 2018vs Q4 2017$18.8MM$18.9MM
Equity CapitalQ4 2018vs Q4 2017$2.2MM$2.1MM
Loan Loss AllowanceQ4 2018vs Q4 2017$80.00K$86.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$136.00K$22.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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Howard County Education Federal Credit Union Savings Account Rates

0.30%--Share Account
0.25%--IRA Share Account

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

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