C
Howard County Education Federal Credit Union
Rating Date
September 2025
Net Capital
Ratio
10.39
Leverage
Ratio
10.48
Return On
Assets
0.88%
Total
Assets
25.18M
Capital
2.62M
Total
Deposits
22.48M
Net
Income
111.00K
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Weiss Ratings Howard County Education Federal Credit Union
Ellicott City, MD 		Click to
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Rating C
Asset Quality Index 5.10
Capitalization Index 8.30
Liquidity Index 3.70
Profitability Index 6.20
Stability Index 4.50
Company Info Howard County Education Federal Credit Union
Ellicott City, MD 		Click to
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NCUA Charter Number 1808
Phone Number (410) 461-2257
Website www.hctafcu.org
Asset Quality Howard County Education Federal Credit Union
Ellicott City, MD 		Click to
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1-Year Asset Growth -1.39%
5-Year Asset Growth 2.40%
5-Year Charge-Offs to Average Loans 0.49%
Charge-Offs to Average Loans 0.34%
Non-Performing Assets to Assets 1.22%
Non-Performing Loans to Capital 10.71%
Non-Performing Loans to Loans 1.89%
Balance Sheet Howard County Education Federal Credit Union
Ellicott City, MD 		Click to
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Total Assets 25.18M
Total Deposits 22.48M
Capital and Reserves Howard County Education Federal Credit Union
Ellicott City, MD 		Click to
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Capital 2.62M
Leverage Ratio 10.48
Loan Loss Reserves to Loans 1.54%
Liquidity Howard County Education Federal Credit Union
Ellicott City, MD 		Click to
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Hot Money Ratio 3.71%
Liquidity Ratio 23.03%
Profitability Howard County Education Federal Credit Union
Ellicott City, MD 		Click to
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5-Year Return on Average Assets 0.29%
Net Income 111.00K
Net Interest Spread 6.18%
Operating Profit to Average Assets 1.27%
Overhead Efficiency Ratio 80.15%
Return on Assets 0.88%
Return on Equity 8.62%