Howard County Education FCU
Credit union in Ellicott City, MD · NCUA charter #8642 · Federal charter
Legal name: Howard County Education
Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.
| Total assets | $25.0M |
| Total loans & leases | $15.4M |
| Total shares & deposits | $22.1M |
| Members | 4,062 |
| Net worth | $2.8M |
| Net worth / assets | 11.14% |
| Loans / assets | 61.49% |
| Return on assets (annualized) | 0.78% |
| Loan growth (YoY) | −5.46% |
| Member growth (YoY) | 2.68% |
| Delinquency, all loans (60+ days) | 2.76% |
| Charter | Federal charter |
| Asset band | < $50M |
| NCUA peer group | $10M–$50M |
| Sponsor type | Educational |
AI readiness
No public evidence
Nothing public says the credit union uses AI.
No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.
Filed signals, from the credit union's own NCUA call report (Q2 2026): uses fintech partners, fintech mortgage lending, online loan application, bill payment, e-Statements, remote deposit capture. These are relationships and channels, not AI as such.
The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.
In the explorer: ten-year history for every metric, balance sheet and income statement drill-downs, percentile rankings against asset-size peers, leaders and board, branches, and growth opportunities.
Other credit unions in Maryland
All credit unions in Maryland →