HOWARD COUNTY EDUCATION Credit Union Profile

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HOWARD COUNTY EDUCATION

Charter #8642 | NCUA Region 1 | FCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (410) 461-4672

Fax: (410) 461-4691

Founding Date: N/A

Website: http://www.hctafcu.org

Personnel & Operations

President: Katz, Julian

Manager: Oursler, Janet

FT Employees: 8

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 34

Branches: 1

Hours: Monday - Friday 9am to 5pm

Credit Union Profile Summary

HOWARD COUNTY EDUCATION is a FCU Credit Union. With a total of 3,956 members [1], this institution manages approximately $25,184,381 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 10.47% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 1.61% [1].

Financial Snapshot

Total Assets [1]
$25,184,381

Total economic resources.

Total Loans [1]
$16,252,572

Total value of outstanding loans.

Total Deposits [1]
$22,479,377

Total funds deposited by members.

Members [1]
3,956

Number of active members.

Performance Ratios

Net Worth Ratio [1]
10.47%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.89%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
72.30%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -1.39%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 1.61%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -1.17%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

3458 Ellicott Center Dr Ste 106

Ellicott City, MD, 21043-4178
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 1 branches reported by HOWARD COUNTY EDUCATION (Charter #8642).

Main Office

Howard County Education Federal Credit Union Main Office

Type: Corporate Office

3458 Ellicott Center Dr Ste 106

Ellicott City, MD 21043-4178

Phone: (410) 461-4672

Services: Member Services

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