Federal credit union · Ellicott City, Maryland · NCUA charter #8642
Howard County Education
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $24.9M
- Total assets
- 3,891
- Members
- 10.9%
- Net-worth ratio
Howard County Education scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $24.9M; members 3,891; net-worth ratio 10.93%; health rank #3,109 of 4,374; healthier than 28th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,109 of 4,374 health · 2025Q4Howard County Education · health 77/100 · $24.9M · 2025Q4
- CHARTER 77/100
- NCUSIF 10.9%
- CAMELS 2.15%
- HEALTH 0.41%
- NW $24.9M
- DELQ 3,891
- ROA #3,109/4,374
- ASSETS Central Illinois
- MEM 8642
Call Report peers
Howard County Education in the assets neighbourhood
Howard County Education's $24.9M assets sit next to Central Illinois ($24.9M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Howard County Education vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
77 28th percentile higher than 28% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +11.61 pp (71.41% vs 59.80%).
- Largest lag: Net Worth Ratio at 10.93% vs peer 14.86% (-3.93 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Howard County Education in Maryland
- In Maryland, health place is #38 of 62 on the same NCUA-ratio sort used nationally.
- Assets rank #49 of 62 inside Maryland ($24.9M reported).
- Member book place in Maryland: #40 of 62.
In-state ordinals use the live credit_unions table for MD only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Howard County Education: 2025Q4 → 2026Q1
Howard County Education: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $24.9M (2025Q4) to $25.2M (2026Q1).
- Net-worth ratio shifted +0.15 pp (10.78% → 10.93%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.93% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 77/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 11.6 pts
- Return on Assets 13.6 pts
- Member Growth 7.0 pts
- Loan-to-Share Ratio 14.8 pts
Howard County Education vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.93% | -3.93 pp |
| Delinquency Rate | 2.15% | +1.01 pp |
| Return on Assets | 0.41% | -0.30 pp |
| Member Growth | -1.09% | - |
| Loan-to-Share Ratio | 71.41% | +11.61 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Howard County Education quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $25.2M | - |
| 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
Branch Location
Howard County Education operates a single office in Ellicott City, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Howard County Education Federal Credit Union (Main Office) | Ellicott City, MD |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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–$50M60Health
- THIOKOL ELKTONElkton, MD · $10M–$50M84Health
- NONE SUFFER LACKSUITLAND, MD · $10M–$50M83Health
- CAPITAL AREA REALTORSRockville, MD · $10M–$50M56Health
- POST OFFICE CU OF MD, INC.Baltimore, MD · $10M–$50M71Health
Compare Howard County Education vs CECIL COUNTY SCHOOL EMPLOYEES
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Howard County Education - kept outside Maryland; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($24.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
Using this data
- Howard County Education ranks #3,109 of 4,374 nationally on financial health and #38 of 62 in MD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Cecil County School Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Cecil County School Employees
- Rates and health both vary by institution, not just by state -- see how Maryland credit unions compare overall before assuming this one is typical. Maryland state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
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. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,109 of 4,374; by total assets it ranks #3,002 of 4,374 nationally (same basis as /rankings/largest); and #49 of 62 within Maryland. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.93% 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 10.93% 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.
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.