Side-by-side · Q2 2026 data
Houston Belt & Terminal Federal Credit Union vs Intercorp Credit Union
Credit union
Houston Belt & Terminal Federal Credit Union
Humble, Texas · Under $100 million in assets
Metric by metric
| Measure | Houston Belt & Terminal Federal Credit Union | Intercorp Credit Union |
|---|---|---|
| TellerScore | 60 | 60 |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 5 (stronger) |
| Earnings | 78 (stronger) | 33 |
| Funding & liquidity | 50 | 91 (stronger) |
| Problem-loan coverage | 70 | 83 (stronger) |
| Peer percentile | 22nd | 22nd |
| Total assets | $3.8M | $4.2M |
| Deposits / shares | $2.2M | $3.4M |
| Capital ratio | 40.46% (stronger) | 18.58% |
| Problem loans | 9.37% | 2.86% (stronger) |
| Net charge-offs | 0.15% (stronger) | 1.56% |
| Return on assets | 1.44% (stronger) | 0.33% |
| Loans ÷ deposits | 114.1% | 69.5% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 5 directional measures above (where higher or lower is clearly better), Houston Belt & Terminal Federal Credit Union leads on 3 and Intercorp Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.