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HOWARD COUNTY EDUCATION

Ellicott City, MD · Federal Credit Union · Chartered in MD

Well Capitalized

Who can join

Occupational / select employee group

Charter #8642Est. 1953RSSD: 323781

Members

3,906

Net Worth Ratio

10.93%

min. 7% = Well Capitalized

Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.

At a Glance

Total Assets

$25.2M

Peer Group 3

Members

3,906

as of latest quarter

Net Worth Ratio

10.93%

Well Capitalized

Institution Profile

NCUA

Address

3458 Ellicott Center Dr Ste 106, Ellicott City, MD 21043-4178

Chartered

1953

Branch Locations

1 location

Membership Eligibility

Occupational / select employee group

Financial Snapshot

As of Q1 2026NCUA 5300 Call Report

Total Assets

$25.2M

Total Shares

$22.4M

Total Loans

$15.5M

Net Worth Ratio

10.93%

≥7% = Well Capitalized

Members

3,906

Delinquency Rate (60d+)

1.71%

$264K

Loan-to-share ratio: 69.2%· healthy range 60–80%

Branch Locations

NCUA

Howard County Education Federal Credit Union

3458 Ellicott Center Dr Ste 106, Ellicott City, MD, 21043-4178

Monday - Friday 9am to 5pm

Main

Mortgage Lending (HMDA)

CFPB HMDA

Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.

Consumer Complaints

CFPB / NCUA

No CFPB complaint data available for this credit union.

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Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.