Houston Belt & Terminal Federal Credit Union Humble, Texas
Houston Belt & Terminal Federal Credit Union is a federal credit union headquartered in Humble, TX, established in 1949 (NCUA charter 6318), and it is regulated and insured by the NCUA. At Q2 2026 it reported 589 members and total assets of $3.8M (up 4.9% from Q2 2025), the 349th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 40.46% at Q2 2026, in the well capitalized band.
Also written as Houston Belt & Terminal FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 6318
- Headquarters
- Humble, TX
- Established
- 1949
- Total assets, Q2 2026
- $3.8M
- Assets vs Q2 2025
- +4.9%
- Members, Q2 2026
- 589
- Net worth ratio, Q2 2026
- 40.46%
- Latest call report
- Q2 2026, NCUA 5300 · Houston Belt & Terminal Federal Credit Union call report
- Asset rank in state
- 349th of 377 in Texas
- Routing number
- 313083581
- Branches
- 1
It has 3 more members than on June 30, 2025 (+0.5%). Its net worth ratio was down 0.18 percentage points from 40.64% on June 30, 2025. New vehicle loans are its largest loan category, $1.1M of $2.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 9.37% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 40.46% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Texas
Frequently asked about Houston Belt & Terminal Federal Credit Union
How big is Houston Belt & Terminal Federal Credit Union?
At Q2 2026 it reported total assets of $3.8M and 589 members.
Where is Houston Belt & Terminal Federal Credit Union headquartered?
It is headquartered in Humble, TX, United States.
When was Houston Belt & Terminal Federal Credit Union founded?
It was established in 1949, per NCUA records.
Is Houston Belt & Terminal Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 6318): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Houston Belt & Terminal Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Houston Belt & Terminal Federal Credit Union well capitalized?
Its net worth ratio was 40.46% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Houston Belt & Terminal Federal Credit Union's delinquency ratio?
Its delinquency ratio was 9.37% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Houston Belt & Terminal Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 114.08% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Humble, TX 77338
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1949
- NCUA Charter #
- 6318
- RSSD ID
- 841481
- Members
- 589
- Potential members
- 1,050
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 40.46% | 14.31% | over 90th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.96% | 0.72% | 60th above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 2.37% | 4.74% | 34th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 1.62% | 3.93% | under 10th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 26.08% | 79.83% | over 90th top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.00% | 0.78% | over 90th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 9.37% | 0.86% | under 10th bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 1.63% | 4.70% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 114.08% | 58.92% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$3.8M total assets against $3.7M; $2.2M total shares and deposits against $2.1M; $2.6M total loans against $2.9M.
$1.6M net worth against $1.5M.
40.46% net worth ratio against 40.64%.
114.08% loan-to-share ratio against 134.02%.
9.37% delinquency ratio against 1.57%.
0.96% return on assets against 5.18%; 2.37% return on equity against 12.73%.
1.62% net interest margin against 11.24%.
589 members against 586.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 40.46% | 0.96% | 9.37% | 114.08% |
| March 31, 2026 | 40.79% | 1.97% | 5.31% | 119.61% |
| December 31, 2025 | 40.49% | 0.59% | 6.08% | 131.73% |
| September 30, 2025 | 40.27% | -2.01% | 4.82% | 137.29% |
| June 30, 2025 | 40.64% | 5.18% | 1.57% | 134.02% |
| March 31, 2025 | 41.99% | 1.67% | 5.42% | 143.80% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
Loans outstanding exceed total member shares (deposits). The credit union is funding the gap with borrowings or non-member sources that are more rate-sensitive and less stable than core member deposits. Industry heuristic, not a supervisory threshold.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.