credit union

Howard County Education

Ellicott City, MD · Est. 1953
A
Trust Grade
Excellent
Score: 94/100

Howard County Education is a credit union based in Ellicott City, Maryland, established in 1953, with $25 million in total assets serving 3,906 members. By Trust Grade it ranks 20th of 61 credit unions we track in Maryland. Its net worth ratio of 10.9% trails most similarly sized credit unions (24th percentile), versus a Maryland median of 11.9%. It was profitable over the most recent period, with a 1.04% return on assets. No consumer complaints against Howard County Education appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$25.2M
<$100M institution
Members
3,906
Shares & deposits
—
Net worth ratio
10.9%
Bottom 24% of <$100M peers · Maryland median 11.9%
Return on assets
1.0%
Top 29% of <$100M peers · Maryland median 0.49%
Rank in Maryland
#20
of 61 credit unions

How Howard County Education compares to Maryland peers

Net worth ratio
Bottom 24% of <$100M peers
Howard County
10.9%
Maryland median
11.9%
Higher capital ratio = stronger financial cushion
Return on assets
Top 29% of <$100M peers
Howard County
1.0%
Maryland median
0.5%
Higher ROA = more profitable relative to asset base

How we graded Howard County Education

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
94/100
Customer experience
n/a
Overall
A · 94
  • Well-capitalized (10.9% capital ratio)
  • Strongly profitable (ROA 1.04%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Howard County Education over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at Howard County Education insured?

Yes. Howard County Education is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Howard County Education: frequently asked questions

Is Howard County Education a good credit union?

Howard County Education earns a Bankzia Trust Grade of A (94/100, "Excellent"), based on a financial-strength score of 94/100 (it has no CFPB complaints on record). Well-capitalized (10.9% capital ratio); Strongly profitable (ROA 1.04%).

Is Howard County Education NCUA-insured?

Yes. Howard County Education is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is Howard County Education?

Howard County Education holds $25 million in total assets, ranking 20th of 61 credit unions we track in Maryland. It serves 3,906 members.

Does Howard County Education have CFPB complaints?

No CFPB complaints against Howard County Education appear in our data over the analysis window, which is typical for a credit union of this size.

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Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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