HOWARD COUNTY EDUCATION
Charter #8642 · Ellicott City, MD · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,906 ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.76% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 3.21% sits at the 97th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.62% sits at the 93rd percentile of structural peers — worth a closer look.
- On Loan growth YoY, the asset-size band puts this credit union at the 45th percentile but its structural peers at the 26th — a 19-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | HOWARD COUNTY EDUCATION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $25.18M | 50th pct | 46th pct |
| Members | 3,906 | 90th pct | 90th pct |
| Net worth ratio | 10.93% | 26th pct | 31th pct |
| Return on average assets | 1.05% | 70th pct | 66th pct |
| Net interest margin | 5.76% | 98th pct | 93th pct |
| Cost of funds | 0.59% | 38th pct | 26th pct |
| Loan-to-share | 69.22% | 69th pct | 64th pct |
| Delinquency 60+ days | 3.21% | 94th pct | 97th pct |
| Net charge-off ratio | 1.62% | 92th pct | 93th pct |
| Loan growth YoY | -3.05% | 45th pct | 26th pct |
| Share growth YoY | 0.63% | 32th pct | 26th pct |
| Efficiency ratio | 80.96% | 51th pct | 57th pct |
structural peer set hash: b64351a011bfff1bb60d8755889f9df7… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.