Federal credit union · Belton, Texas · NCUA charter #15565
BELTON
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $4.2M
- Total assets
- 803
- Members
- 15.2%
- Net-worth ratio
BELTON scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.2M; members 803; net-worth ratio 15.20%; health rank #3,253 of 4,374; healthier than 24th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,253 of 4,374 health · 2025Q4BELTON · health 75/100 · $4.2M · 2025Q4
- MEM 75/100
- RANK 15.2%
- PHOTO 2.37%
- BOOK 0.62%
- CHARTER $4.2M
- NCUSIF 803
- CAMELS #3,253/4,374
- HEALTH n/a
- NW 15565
Call Report peers
BELTON carries $4.2M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
BELTON vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
75 24th percentile higher than 24% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
BELTON - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #15565: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
BELTON vs $2M–$10M peers
- Largest favorable gap: Return on Assets at 0.62% vs peer 0.45% (+0.17 pp).
- Loan-to-Share Ratio trails the peer set - 50.57% here, 63.60% peer average (-13.03 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where BELTON sits in Texas
- Health composite ranks #286 of 386 among scored Texas credit unions.
- By total assets, BELTON is #351 of 386 in Texas.
- Texas membership ordinal: #336 of 386.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
BELTON: 2025Q4 → 2026Q1
BELTON: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.6% from $4.2M (2025Q4) to $4.3M (2026Q1).
- Net-worth ratio shifted -0.32 pp (15.52% → 15.20%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
15.20% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 75/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 10.2 pts
- Return on Assets 15.0 pts
- Member Growth 9.6 pts
- Loan-to-Share Ratio 10.2 pts
BELTON vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.20% | -3.86 pp |
| Delinquency Rate | 2.37% | +0.56 pp |
| Return on Assets | 0.62% | +0.17 pp |
| Member Growth | 0.50% | - |
| Loan-to-Share Ratio | 50.57% | -13.03 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
BELTON filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.3M | - |
| 2025Q4 | $4.2M | 803 |
| 2024Q4 | $4.0M | 799 |
| 2023Q4 | $4.2M | 784 |
Credit Union Details
- Charter Number
- 15565
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Texas
- City
- Belton
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, BELTON runs one office.
| Office | City |
|---|---|
| Belton Federal Credit Union (Main Office) | Belton, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for BELTON
BELTON's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
Using this data
- BELTON ranks #3,253 of 4,374 nationally on financial health and #286 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CAPITAL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CAPITAL
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is BELTON financially healthy?
Yes/no aside, the number is 75/100 (Very Good) - BELTON's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,253 of 4,374; by total assets it ranks #3,955 of 4,374 nationally (same basis as /rankings/largest); and #351 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 15.20% net worth ratio and 2.37% delinquency rate are the key drivers.
How does BELTON compare to other credit unions?
On PlainCU's health composite, BELTON lands at 75/100, compared to a peer group average for $2M–$10M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join BELTON?
BELTON operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact BELTON directly for the exact boundaries and application steps.
Is my money safe at BELTON?
Federal credit unions like BELTON are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. BELTON's net worth ratio of 15.20% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does BELTON offer compared to banks?
Credit unions like BELTON are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact BELTON directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.