TellerScore

Houston Belt & Terminal Federal Credit Union is a federal credit union headquartered in Humble, Texas, in business for about 77 years. At the end of Q2 2026 it reported $3.8M in total assets and $2.2M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Houston Belt & Terminal Federal Credit Union scores 60/100, which we describe as moderate. That is higher than only 22% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 296th. Its strongest component is capital cushion (100/100; 40.46%), and its lowest is loan quality (0/100; 9.37%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 40.46%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 9.37%
Earnings78/100
Return on assets (annualized): 1.44%
Funding & liquidity50/100
Loans ÷ shares: 114.1% · 0.0% uninsured
Problem-loan coverage70/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 15.17%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 19 points (79 → 60), mostly because the loan quality component weakened by 48 points.

TellerScore
607385Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202485
Q3 202472
Q4 202465
Q1 202563
Q2 202579
Q3 202562
Q4 202560
Q1 202666
Q2 202660
Net worth ratio
7.00%24.62%42.24%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202436.56%
Q3 202441.93%
Q4 202442.24%
Q1 202541.99%
Q2 202540.64%
Q3 202540.27%
Q4 202540.49%
Q1 202640.79%
Q2 202640.46%
Delinquent loans (60+ days)
0.50%4.93%9.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.50%
Q3 20242.32%
Q4 20246.15%
Q1 20255.42%
Q2 20251.57%
Q3 20254.82%
Q4 20256.08%
Q1 20265.31%
Q2 20269.37%
Return on assets
1.30%2.35%3.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.61%
Q3 20242.03%
Q4 20242.10%
Q1 20251.67%
Q2 20253.39%
Q3 20251.53%
Q4 20251.30%
Q1 20261.97%
Q2 20261.44%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202660$3.8M40.46%9.37%1.44%114.1%
Q1 202666$3.7M40.79%5.31%1.97%119.6%
Q4 202560$3.7M40.49%6.08%1.30%131.7%
Q3 202562$3.8M40.27%4.82%1.53%137.3%
Q2 202579$3.7M40.64%1.57%3.39%134.0%
Q1 202563$3.5M41.99%5.42%1.67%143.8%
Q4 202465$3.5M42.24%6.15%2.10%129.0%
Q3 202472$3.5M41.93%2.32%2.03%126.4%
Q2 202485$3.9M36.56%0.50%1.61%107.6%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio40.46%
98th
Problem loans9.37%
2nd
Net charge-offs0.15%
52nd
Return on assets1.44%
83rd
Loans to deposits114.1%
1st
Uninsured deposits0.0%
81st
Loan-loss reserves0.86%
81st
Texas ratio15.2%
7th

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Deposit insurance

Is my money safe at Houston Belt & Terminal Federal Credit Union?

Yes. Houston Belt & Terminal Federal Credit Union is a federally insured credit union (NCUA charter #6318). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 40.46%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Houston Belt & Terminal Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Houston Belt & Terminal Federal Credit Union
Type
Federal credit union
NCUA charter #
6318
RSSD ID
841481
Primary regulator
NCUA
Established
1949
Headquarters
9810 Fm 1960 Bypass Rd W Ste 105, Humble, TX 77338
Employees
2

Quick answers

Houston Belt & Terminal Federal Credit Union: common questions

Is Houston Belt & Terminal Federal Credit Union NCUA insured?

Yes. Houston Belt & Terminal Federal Credit Union is a federally insured credit union (NCUA charter #6318). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Houston Belt & Terminal Federal Credit Union's TellerScore?

60 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Houston Belt & Terminal Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Humble

InstitutionScoreAssetsCapitalProblem loansCompare
Port of Houston Warehouse Federal Credit UnionCredit union Houston, TX96 out of 100, Very strong$5.4M21.6%0.52%vs
Corpus Christi Postal Employees Credit UnionCredit union Corpus Christi, TX96 out of 100, Very strong$17.1M20.3%0.00%vs
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F a a Federal Credit UnionCredit union Cordova, TN91 out of 100, Very strong$131.1M18.6%0.87%vs
Kbr Heritage Federal Credit UnionCredit union Houston, TX90 out of 100, Very strong$76.4M22.6%0.39%vs
Austin Bank, Texas National AssociationBank Jacksonville, TX88 out of 100, Very strong$3.3B15.1%0.60%vs