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HOWARD COUNTY EDUCATION FEDERAL CREDIT UNION

Jun, 30, 2021 — HOWARD COUNTY EDUCATION FEDERAL CREDIT UNION is a federal credit union headquartered in Ellicott City, MD with 1 branch location and about $26.70 million in total assets. Opened 68 years ago in 1953, HOWARD COUNTY EDUCATION FEDERAL CREDIT UNION has about 4,049 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:4,049
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:$26,695,164
CEO/Manager:Janet Oursler
Chairperson:Kathy Owens-Wyatt

Call Report

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 6,087,712
TOTAL INVESTMENTS 7,955,078
Loans Held for Sale 0
 
 Real Estate Loans 983,992
 Unsecured Loans 3,876,030
 Other Loans 6,937,263
 TOTAL LOANS 11,797,285
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -86,516
 Land And Building 517,650
 Other Fixed Assets 54,115
 NCUSIF Deposit 223,739
 All Other Assets 146,101
  TOTAL ASSETS 26,695,164
LIABILITIES & CAPITAL:  
 Dividends Payable 14,577
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 32,374
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 1,338,182
 Regular shares 22,068,252
 All Other Shares & Deposits 963,085
  TOTAL SHARES & DEPOSITS 24,369,519
  TOTAL LIABILITIES 24,416,470
 Regular Reserve 254,471
 Other Reserves 0
 Undivided Earnings 2,024,223
  TOTAL EQUITY 2,278,694
  TOTAL LIABILITIES, SHARES, & EQUITY 26,695,164
INCOME & EXPENSE  
 Loan Income 406,843
 Investment Income 18,421
 Other Income 41,339
 Total Employee Compensation & Benefits 251,917
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 199,878
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 46,263
 Cost of Funds 16,731
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) -11,464
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