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
Call Report peers
Howard County Education in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Howard County Education sits in 75-79 with 502 others.
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: 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).
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.
- One place up in Maryland, Bull Dog (#37) ties at 77/100; one place down, Mt. Jezreel (#39) scores 76/100, 1 point lower.
Howard County Education: 2025Q4 → 2026Q1
Howard County Education: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.1% from $24.9M (2025Q4) to $25.2M (2026Q1).
- Net-worth ratio shifted +0.15 pp (10.78% → 10.93%).
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
Howard County Education gives up 23 points in total. Delinquency Rate costs the most, 13.4 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Howard County Education financially healthy?
On its 2025Q4 NCUA 5300 filing, Howard County Education scores 77/100 (Very Good), with a 10.93% net worth ratio and 2.15% of loans delinquent. It ranks #3,109 of 4,374 nationally on health and #38 of 62 in Maryland.
How does Howard County Education compare to other credit unions?
Howard County Education scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (71.41% vs 59.80%). Its widest shortfall is net worth ratio (10.93% vs 14.86%).
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?
Howard County Education is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.