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HOWARD COUNTY EDUCATION FEDERAL CREDIT UNION

Mar, 31, 2021 — HOWARD COUNTY EDUCATION FEDERAL CREDIT UNION is a federal credit union headquartered in Ellicott City, MD with 1 branch location and about $26.07 million in total assets. Opened 68 years ago in 1953, HOWARD COUNTY EDUCATION FEDERAL CREDIT UNION has about 4,051 members and employs 6 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


Name:HOWARD COUNTY EDUCATION FEDERAL CREDIT UNION
Address:
(Main Office)
3458 Ellicott Center Dr Ste 106
Ellicott City, MD 21043-4178
Phone:(410) 461-4672
Fax:(410) 461-4691
Website:http://www.hctafcu.org
Branches:1 branch locations
Members:4,051
Credit Union Type:Federal Credit Union
Charter Number:8642
Membership Type:Multiple common bond - Primarily educational
Corporate Credit Union:No
Year Opened:1953
Last Audited:Nov 01, 2020
FHLB Member:No
Low Income Designation:No
Assets:$26,073,212
CEO/Manager:Janet Oursler
Chairperson:Kathy Owens-Wyatt

Call Report

  • Real Estate Loans
  • Risk Based Loans
  • ATM/Debit Card Program

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 5,289,308
TOTAL INVESTMENTS 7,705,423
Loans Held for Sale 0
 
 Real Estate Loans 999,557
 Unsecured Loans 3,898,063
 Other Loans 7,352,603
 TOTAL LOANS 12,250,223
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -83,167
 Land And Building 522,532
 Other Fixed Assets 35,822
 NCUSIF Deposit 192,452
 All Other Assets 160,619
  TOTAL ASSETS 26,073,212
LIABILITIES & CAPITAL:  
 Dividends Payable 17,850
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 37,074
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 1,257,086
 Regular shares 21,347,922
 All Other Shares & Deposits 1,121,081
  TOTAL SHARES & DEPOSITS 23,726,089
  TOTAL LIABILITIES 23,781,013
 Regular Reserve 254,471
 Other Reserves 0
 Undivided Earnings 2,037,728
  TOTAL EQUITY 2,292,199
  TOTAL LIABILITIES, SHARES, & EQUITY 26,073,212
INCOME & EXPENSE  
 Loan Income 204,347
 Investment Income 10,259
 Other Income 19,272
 Total Employee Compensation & Benefits 127,791
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 99,620
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 14,040
 Cost of Funds 8,570
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 2,041
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