Federal credit union · HUMBLE, Texas · NCUA charter #6318
Houston Belt & Terminal
Health score 45/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 45
- Health / 100
- $3.7M
- Total assets
- 589
- Members
- 40.5%
- Net-worth ratio
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 - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)0
Weighted composite: 45/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 40.49% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 40.49% | 30% |
| Delinquency Rate | 6.08% | 25% |
| Return on Assets | 1.95% | 15% |
| Member Growth | -18.76% | 15% |
| Loan-to-Share Ratio | 131.73% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Houston Belt & Terminal
Charter #6318, peer group $2M–$10M, a cohort of 566 similarly-sized institutions: that's Houston Belt & Terminal, a federal credit union in HUMBLE, Texas with 589 members, $3.7M in total assets, and $2.9M in outstanding loans as of Q4 2025. The five-factor composite scores it 45/100 (Below Average), helped by a net worth ratio of 40.49% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
On loan book quality: 6.08% of loans are 60+ days past due against the total loan book - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers. Meanwhile a 131.73% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.95% on net income of $73K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -18.76%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 40.49% 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 40.49% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.