HOWARD COUNTY EDUCATION
Charter #8642 | MD
<100M
(2596 CUs)
Micro
($0-$500M)
28 <100M in MD
HOWARD COUNTY EDUCATION has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.16% above tier average
- + Net Interest Margin 1.79% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.28% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,976
-1.1% YoY+0.5% QoQ
|
+1.4K |
2,625
-2.2% YoY
|
34,720
+7.7% YoY
|
33,089
+6.1% YoY
|
Top 21.7% in tier |
| Assets |
$25.0M
-0.9% YoY-0.8% QoQ
|
$-4.9M |
$29.9M
+1.1% YoY
|
$624.1M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
54th in tier |
| Loans |
$16.0M
-1.0% YoY-1.7% QoQ
|
+$207K |
$15.8M
-2.4% YoY
|
$452.1M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
63rd in tier |
| Deposits |
$22.2M
-1.6% YoY-1.1% QoQ
|
$-3.2M |
$25.5M
+0.4% YoY
|
$528.8M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
56th in tier |
| ROA |
0.8%
+41.9% YoY-3.5% QoQ
|
+0.2% |
0.7%
-731.4% YoY
|
0.6%
+23.1% YoY
|
0.7%
+273.4% YoY
|
54th in tier |
| NIM |
5.7%
+16.3% YoY+2.4% QoQ
|
+1.8% |
3.9%
+3.8% YoY
|
3.5%
+4.2% YoY
|
3.7%
+5.0% YoY
|
Top 5.8% in tier |
| Efficiency Ratio |
81.7%
+2.1% YoY+1.8% QoQ
|
+0.3% |
81.4%
-2.4% YoY
|
78.6%
-6.6% YoY
|
79.1%
-3.3% YoY
|
58th in tier |
| Delinquency Rate |
1.1%
-7.0% YoY-40.8% QoQ
|
-0.4 |
1.5%
-2.0% YoY
|
1.2%
+5.3% YoY
|
1.2%
-0.9% YoY
|
64th in tier |
| Loan To Share |
71.9%
+0.6% YoY-0.6% QoQ
|
+10.6% |
61.2%
-3.0% YoY
|
65.0%
-0.2% YoY
|
68.0%
-1.7% YoY
|
65th in tier |
| AMR |
$9,610
-0.2% YoY-1.9% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$20,685
+4.6% YoY
|
$19,418
+1.3% YoY
|
27th in tier |
| CD Concentration |
7.6%
-16.9% YoY-10.7% QoQ
|
-16.8% |
24.4%
+4.2% YoY
|
20.4%
+10.6% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.4%
+4.0% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (4 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
150
Net Interest Margin (NIM)
profitability
Value:
5.72%
Peer Avg: 3.93%
#150 of 2596
Top 5.7% in <100M tier
247
Members Per Employee (MPE)
engagement
Value:
568.000
Peer Avg: 365.701
#247 of 2596
Top 9.5% in <100M tier
563
Total Members
engagement
Value:
3,976
Peer Avg: 2,626
#563 of 2596
Top 21.6% in <100M tier
Top Weaknesses (2 metrics)
2084
Net Charge-Off Rate
risk
Value:
0.77%
Peer Avg: 0.57%
#2084 of 2596
Bottom 19.8% in <100M tier
1997
Net Worth Ratio
risk
Value:
10.75%
Peer Avg: 16.43%
#1997 of 2596
Bottom 23.1% in <100M tier