Side-by-side · Q2 2026 data
Houston Belt & Terminal Federal Credit Union vs Plains Federal 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 | Plains Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 80 (stronger) |
| Capital cushion | 100 (stronger) | 95 |
| Loan quality | 0 | 97 (stronger) |
| Earnings | 78 (stronger) | 22 |
| Funding & liquidity | 50 | 85 (stronger) |
| Problem-loan coverage | 70 | 99 (stronger) |
| Peer percentile | 22nd | 65th |
| Total assets | $3.8M | $4.0M |
| Deposits / shares | $2.2M | $3.4M |
| Capital ratio | 40.46% (stronger) | 14.50% |
| Problem loans | 9.37% | 0.09% (stronger) |
| Net charge-offs | 0.15% | 0.00% (stronger) |
| Return on assets | 1.44% (stronger) | 0.05% |
| Loans ÷ deposits | 114.1% | 75.3% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Plains Federal Credit Union has the higher TellerScore (80 vs 60). On the 6 directional measures above (where higher or lower is clearly better), Houston Belt & Terminal Federal Credit Union leads on 2 and Plains Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.