Side-by-side · Q2 2026 data
Houston Belt & Terminal Federal Credit Union vs Light Commerce 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 | Light Commerce Credit Union |
|---|---|---|
| TellerScore | 60 | 92 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 69 (stronger) |
| Earnings | 78 | 100 (stronger) |
| Funding & liquidity | 50 | 98 (stronger) |
| Problem-loan coverage | 70 | 97 (stronger) |
| Peer percentile | 22nd | 92nd |
| Total assets | $3.8M | $5.0M |
| Deposits / shares | $2.2M | $3.6M |
| Capital ratio | 40.46% (stronger) | 26.81% |
| Problem loans | 9.37% | 0.93% (stronger) |
| Net charge-offs | 0.15% (stronger) | 0.57% |
| Return on assets | 1.44% | 2.37% (stronger) |
| Loans ÷ deposits | 114.1% | 62.1% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 0.4% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Light Commerce Credit Union has the higher TellerScore (92 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Houston Belt & Terminal Federal Credit Union leads on 3 and Light Commerce Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.