Federal credit union · HUMBLE, Texas · NCUA charter #6318
Houston Belt & Terminal
Health score 45/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 45
- Health / 100
- $3.7M
- Total assets
- 589
- Members
- 40.8%
- Net-worth ratio
Houston Belt & Terminal scores 45/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.7M; members 589; net-worth ratio 40.79%; health rank #4,313 of 4,374; healthier than 1st of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#4,313 of 4,374 health · 2025Q4Houston Belt & Terminal · health 45/100 · $3.7M · 2025Q4
- MEM 45/100
- RANK 40.8%
- PHOTO 6.08%
- BOOK 1.95%
- CHARTER $3.7M
- NCUSIF 589
- CAMELS #4,313/4,374
- HEALTH n/a
- NW 6318
Call Report peers
Houston Belt & Terminal carries $3.7M 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.
Houston Belt & Terminal 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
45 1st percentile higher than 1% 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
Houston Belt & Terminal - Share Insurance Coverage
Charter #6318's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Houston Belt & Terminal: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 131.73% here, 63.60% peer average (+68.13 pp).
- Delinquency Rate trails the peer set - 6.08% here, 1.81% peer average (+4.28 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Houston Belt & Terminal in Texas
- In Texas, health place is #384 of 386 on the same NCUA-ratio sort used nationally.
- By total assets, Houston Belt & Terminal is #357 of 386 in Texas.
- Texas membership ordinal: #357 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.
Houston Belt & Terminal Call Report trajectory
Houston Belt & Terminal: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.1% from $3.7M (2025Q4) to $3.7M (2026Q1).
- Net-worth ratio shifted +0.30 pp (40.49% → 40.79%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 40.79% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 45/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 45.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 0.0 pts
Houston Belt & Terminal vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 40.79% | +21.73 pp |
| Delinquency Rate | 6.08% | +4.28 pp |
| Return on Assets | 1.95% | +1.50 pp |
| Member Growth | -18.76% | - |
| Loan-to-Share Ratio | 131.73% | +68.13 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).
Call Report history - Houston Belt & Terminal
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.7M | - |
| 2025Q4 | $3.7M | 589 |
| 2024Q4 | $3.5M | 725 |
| 2023Q4 | $4.1M | 549 |
Credit Union Details
- Charter Number
- 6318
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Texas
- City
- HUMBLE
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Houston Belt & Terminal runs one office.
| Office | City |
|---|---|
| Houston Belt & Terminal FCU (Main Office) | Humble, 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.
Houston Belt & Terminal nationwide neighbourhoods
Cross-state asset and health neighbours for Houston Belt & Terminal - kept outside Texas; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (45/100 here).
Using this data
- Houston Belt & Terminal ranks #4,313 of 4,374 nationally on financial health and #384 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Union Pacific Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Union Pacific Employees
- 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 Houston Belt & Terminal financially healthy?
Houston Belt & Terminal has a financial health score of 45/100 (Below Average) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,313 of 4,374; by total assets it ranks #3,985 of 4,374 nationally (same basis as /rankings/largest); and #357 of 386 within Texas. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 40.79% and delinquency rate of 6.08%.
How does Houston Belt & Terminal compare to other credit unions?
On PlainCU's health composite, Houston Belt & Terminal lands at 45/100, 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 Houston Belt & Terminal?
Houston Belt & Terminal 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 Houston Belt & Terminal directly for the exact boundaries and application steps.
Is my money safe at Houston Belt & Terminal?
Federal credit unions like Houston Belt & Terminal 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. Houston Belt & Terminal's net worth ratio of 40.79% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Houston Belt & Terminal offer compared to banks?
Credit unions like Houston Belt & Terminal 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 Houston Belt & Terminal 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.