Howard County Education Federal Credit Union Ellicott City, Maryland
Howard County Education Federal Credit Union is a federal credit union headquartered in Ellicott City, MD, established in 1953 (NCUA charter 8642), and it is regulated and insured by the NCUA. At Q2 2026 it reported 4,062 members and total assets of $25.0M (down 0.8% from Q2 2025), the 46th largest of 58 credit unions headquartered in Maryland. Its net worth ratio was 11.14% at Q2 2026, in the well capitalized band.
Also written as Howard County Education FCU
BankRegReports is independent of Howard County Education Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 8642
- Headquarters
- Ellicott City, MD
- Established
- 1953
- Total assets, Q2 2026
- $25.0M
- Assets vs Q2 2025
- -0.8%
- Members, Q2 2026
- 4,062
- Net worth ratio, Q2 2026
- 11.14%
- Latest call report
- Q2 2026, NCUA 5300 · Howard County Education Federal Credit Union call report
- Asset rank in state
- 46th of 58 in Maryland
- Routing number
- 255077079
- Branches
- 1
It has 106 more members than on June 30, 2025 (+2.7%). Its net worth ratio was up 0.67 percentage points from 10.47% on June 30, 2025. Used vehicle loans are its largest loan category, $6.1M of $15.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.76% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 11.14% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Maryland
Frequently asked about Howard County Education Federal Credit Union
How big is Howard County Education Federal Credit Union?
At Q2 2026 it reported total assets of $25.0M and 4,062 members.
Where is Howard County Education Federal Credit Union headquartered?
It is headquartered in Ellicott City, MD, United States.
When was Howard County Education Federal Credit Union founded?
It was established in 1953, per NCUA records.
Is Howard County Education Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 8642): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Howard County Education Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Howard County Education Federal Credit Union well capitalized?
Its net worth ratio was 11.14% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Howard County Education Federal Credit Union's delinquency ratio?
Its delinquency ratio was 2.76% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Howard County Education Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 69.48% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Ellicott City, MD 21043
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1953
- NCUA Charter #
- 8642
- RSSD ID
- 323781
- Members
- 4,062
- Potential members
- 7,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 11.14% | 14.31% | 25th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.51% | 0.72% | 41st below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 4.61% | 4.74% | 49th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 5.69% | 3.93% | over 90th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 88.52% | 79.83% | 32nd below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.57% | 0.78% | 63rd above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 2.76% | 0.86% | 19th bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 6.25% | 4.70% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 69.48% | 58.92% | 66th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$25.0M total assets against $25.2M; $22.1M total shares and deposits against $22.5M; $15.4M total loans against $16.3M.
$2.8M net worth against $2.6M.
11.14% net worth ratio against 10.47%.
69.48% loan-to-share ratio against 72.30%.
2.76% delinquency ratio against 1.89%.
0.51% return on assets against 0.50%; 4.61% return on equity against 4.76%.
5.69% net interest margin against 5.71%.
4,062 members against 3,956.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.14% | 0.51% | 2.76% | 69.48% |
| March 31, 2026 | 10.93% | 1.05% | 3.21% | 69.22% |
| December 31, 2025 | 10.78% | 0.33% | 2.15% | 71.41% |
| September 30, 2025 | 10.75% | 0.77% | 1.12% | 71.85% |
| June 30, 2025 | 10.47% | 0.50% | 1.89% | 72.30% |
| March 31, 2025 | 10.19% | 1.25% | 1.45% | 71.09% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.