Health Score
38/100
PlainCU 5-factor composite (NCUA 5300 Call Report)
Credit Union
HOUSTON BELT & TERMINAL
Health Score
38/100
Total Assets
$3.7M
Members
589
HUMBLE, Texas
2026 data Public-data reference. official source
HOUSTON BELT & TERMINAL
Open-data reference.
38
Health Score
Weak
Charter #
6318
NCUA-issued institution identifier
Source
NCUA
Quarterly 5300 Call Report — 2025Q4
HOUSTON BELT & TERMINAL — Share Insurance Coverage
Composite supervisory bracket and risk-based capital are read from the NCUA Call Report. Member shares above $250,000 per ownership category sit outside the federal NCUSIF envelope.
HOUSTON BELT & TERMINAL — Five Health Pillars
Each pillar is normalised onto a 0-100 scale so the bar lengths are directly comparable.
Health Pillars (0-100)
Net worth ratio vs. NCUA well-capitalized threshold 100.0%
At 40.49%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
$3.7M
Total Assets
589
Members
$2.9M
Total Loans
$2.2M
Total Deposits
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 40.49% | 30% |
| Delinquency Rate | 6.08% | 25% |
| Return on Assets | 0.00% | 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
HOUSTON BELT & TERMINAL is a federal credit union headquartered in HUMBLE, Texas, serving 589 members with $3.7M in total assets and $2.9M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 38/100 (Weak), anchored by a net worth ratio of 40.49% — above the 7.0% threshold the NCUA uses to classify a credit union as "well capitalized" under Prompt Corrective Action rules. Charter #6318 operates under peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
Loan book quality and earnings power round out the picture. The delinquency rate of 6.08% measures loans 60+ days past due against total loans outstanding — the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers. Return on assets comes in at 0.00%, reflecting the not-for-profit cooperative model where surplus earnings flow back to members as better rates and lower fees rather than to shareholders. The loan-to-share ratio of 131.73% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management.
Every deposit account at HOUSTON BELT & TERMINAL is federally insured by the National Credit Union Share Insurance Fund (NCUSIF) up to $250,000 per depositor, per ownership category — identical coverage to FDIC insurance at banks. Year-over-year membership changed by -18.76%, and the institution reports against the NCUA 5300 Call Report on a quarterly cadence, so the figures above reflect the 2025Q4 reporting period. This page is informational only and is not a recommendation, solicitation, or financial advice; credit union performance can change materially quarter to quarter, membership eligibility depends on the stated field of membership (currently: Community), and current deposit and loan rates should be verified directly with HOUSTON BELT & TERMINAL before opening any account or borrowing.
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Related Financial Data
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 38/100 (Weak) 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?
HOUSTON BELT & TERMINAL scores 38/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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?
Membership eligibility for HOUSTON BELT & TERMINAL depends on its field of membership — currently: Community. Credit unions typically require a common bond such as employer, location, or association membership. Contact HOUSTON BELT & TERMINAL directly for current membership requirements 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.