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.
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NCUA 5300 Call Report Masthead
#4,313 of 4,374 health · 2025Q4Houston Belt & Terminal · health 45/100 · $3.7M · 2025Q4
Call Report peers
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
The busiest band is 85-89 (858 credit unions); Houston Belt & Terminal sits in 45-49 with 39 others.
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: 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).
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.
- One place up in Texas, LONGVIEW (#383) scores 47/100, 2 points higher; one place down, Sp Trainmen (#385) scores 40/100, 5 points lower.
Houston Belt & Terminal Call Report trajectory
Houston Belt & Terminal: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.1% from $3.7M (2025Q4) to $3.7M (2026Q1).
- Net-worth ratio shifted +0.30 pp (40.49% → 40.79%).
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
Houston Belt & Terminal gives up 55 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Houston Belt & Terminal financially healthy?
Houston Belt & Terminal has a financial health score of 45/100 (Below Average) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,313 of 4,374 nationally on health and #384 of 386 in Texas. Its net worth ratio is 40.79% and its delinquency rate 6.08%.
How does Houston Belt & Terminal compare to other credit unions?
Houston Belt & Terminal scores 45/100, higher than 1% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (131.73% vs 63.60%). Its widest shortfall is delinquency rate (6.08% vs 1.81%).
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?
Houston Belt & Terminal is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.