Humble, Texas · Peer group 2
Houston Belt & Terminal Credit Union
Houston Belt & Terminal Credit Union holds $3.7M in assets across 590 members as of Q1 2026 — about $6K of assets per member, on a charter dating to 1949. Charter number 6318, in the <$10M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $3.7M |
|---|---|
| Total loans | $2.6M |
| Total shares (deposits) | $2.2M |
| Net worth | $1.5M |
| Members | 590 |
| Assets per member | $6K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 5.9% | |
|---|---|---|
| Loans | -10.0% | around the 35th percentile of its peer group |
| Deposits | 8.2% | around the 89th percentile of its peer group |
| Members | -23.0% | lower than 98% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 119.6% | higher than 99% of its peer group |
|---|---|---|
| Net worth ratio | 40.8% | higher than 96% of its peer group |
| Return on assets | 1.97% | higher than 92% of its peer group |
| Delinquency ratio | 5.31% | higher than 92% of its peer group |
| Cash / assets | 18.2% | around the 60th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Houston Belt & Terminal Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Texas — the comparison set a peer ratio is measured against.
- Covenant Savings Credit Union
Killeen, TX
$3.7M · 1,203 members
- Union Pacific Employees Credit Union
Beaumont, TX
$3.9M · 624 members
- Plains Credit Union
Plainview, TX
$3.9M · 423 members
- Goodyear San Angelo Credit Union
SAN ANGELO, TX
$4.1M · 350 members
- Del Rio S.P. Credit Union
DEL RIO, TX
$3.3M · 761 members
- Vidor Teachers Credit Union
Vidor, TX
$3.3M · 476 members
CUSignals is independent and is not affiliated with, endorsed by, or acting for Houston Belt & Terminal Credit Union, nor for any regulator or trade association. Figures on this page are drawn from institution-level data for the quarter shown and may trail the institution’s own reporting; they are presented for information and are not investment, credit or merger advice, and not a recommendation about this or any institution. No institution can pay to be listed, delisted, or shown differently. To request a correction, email admin@infinidatum.net. See the disclaimer and privacy policy.