Federal credit union · Ellicott City, Maryland · NCUA charter #8642
Howard County Education
Health score 77/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $24.9M
- Total assets
- 3,891
- Members
- 10.8%
- Net-worth ratio
Howard County Education - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #8642 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Howard County Education - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)46
- Earnings (ROA)91
- Member growth47
- Liquidity (loan-to-share)100
Weighted composite: 77/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
10.78% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.78% | 30% |
| Delinquency Rate | 2.15% | 25% |
| Return on Assets | 0.41% | 15% |
| Member Growth | -1.09% | 15% |
| Loan-to-Share Ratio | 71.41% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $24.9M | 3,891 |
| 2024Q4 | $24.7M | 3,934 |
| 2023Q4 | $25.0M | 3,942 |
Credit Union Details
- Charter Number
- 8642
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Maryland
- City
- Ellicott City
- Data Quarter
- 2025Q4
What This Data Says About Howard County Education
The five-factor composite scores Howard County Education at 77/100 (Very Good), reflecting a net worth ratio of 10.78% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Ellicott City, Maryland, reports 3,891 members, $24.9M in total assets, and $15.8M in outstanding loans as of Q4 2025 under charter #8642 (peer group $10M–$50M, a cohort of 1163 similarly-sized institutions).
2.15% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Deposit deployment is captured by the 71.41% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.41% on net income of $101K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -1.09%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Maryland
More federally-insured credit unions based in Maryland, ordered by peer group match and asset size.
- CECIL COUNTY SCHOOL EMPLOYEESELKTON, MD · $10M–$50M57Health
- THIOKOL ELKTONElkton, MD · $10M–$50M84Health
- NONE SUFFER LACKSUITLAND, MD · $10M–$50M83Health
- CAPITAL AREA REALTORSRockville, MD · $10M–$50M55Health
- POST OFFICE CU OF MD, INC.Baltimore, MD · $10M–$50M71Health
Compare Howard County Education vs CECIL COUNTY SCHOOL EMPLOYEES
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Howard County Education financially healthy?
Howard County Education has a financial health score of 77/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.78% and delinquency rate of 2.15%.
How does Howard County Education compare to other credit unions?
PlainCU's health composite puts Howard County Education at 77/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Howard County Education?
Howard County Education operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Howard County Education directly for the exact boundaries and application steps.
Is my money safe at Howard County Education?
Federal credit unions like Howard County Education are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Howard County Education's net worth ratio of 10.78% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Howard County Education offer compared to banks?
Credit unions like Howard County Education are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Howard County Education directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.