HOWARD COUNTY EDUCATION
Federal • Ellicott City, Maryland • Est. 1953
Quick Facts
- Charter Number
- #8642
- Type
- Federal
- Established
- 1953
- Headquarters
- Ellicott City, Maryland 21043-4178
- Address
- 3458 Ellicott Center Dr Ste 106
- Branches
- 1
- Members
- 3,891
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Adequate financial health. Meets NCUA capital requirements with some metrics worth watching over time.
Financial Overview
Total Assets
Members
3,891 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | HOWARD COUNTY EDUCATION |
|---|---|
| Total Assets | $24.9M |
| Members | 3,891 |
| Loans Outstanding | $15.8M |
| Shares & Deposits | $22.1M |
| Net Worth | $2.7M |
| Net Worth Ratio | 10.78% |
| Loan-to-Share Ratio | 71.4% |
| Delinquency Rate | 2.15% |
| Net Income | +$308,143 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
1 location
Howard County Education Federal Credit Union
Main Office3458 Ellicott Center Dr Ste 106
Ellicott City, MD 21043-4178
Who Can Join HOWARD COUNTY EDUCATION?
Membership Type: Community
Membership eligibility for HOWARD COUNTY EDUCATION may vary. Contact the credit union directly to confirm qualification requirements.
Contact HOWARD COUNTY EDUCATION directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Maryland RankingsFrequently Asked Questions
Yes. HOWARD COUNTY EDUCATION is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, HOWARD COUNTY EDUCATION has 3,891 members and a potential membership field of 7,000 people.
HOWARD COUNTY EDUCATION's net worth ratio is 10.78% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.8%, HOWARD COUNTY EDUCATION meets this threshold.
HOWARD COUNTY EDUCATION operates 1 branch location. The main office is located at 3458 Ellicott Center Dr Ste 106, Ellicott City, MD 21043-4178.
HOWARD COUNTY EDUCATION was established in 1953. It is a federal credit union chartered under charter number 8642. The institution has been serving members for 73 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or HOWARD COUNTY EDUCATION. All financial data is for informational purposes only.