Institution Statistics
| HOUSTON BELT & TERMINAL | | NCUA # | 6318 | | BankRate Report | View | | Year Chartered | 1949 | | Employees | 2 | | Primary Regulator | |
Assets and Liabilities | | Assets | $4.30 million | | Loans | $1.74 million | | Deposits | $3.45 million | | Equity Capital | $827,000 | | Loan Loss Allowance | $18,000 | | Unbacked Noncurrent Loans | $39,000 |
Historic Data - December 2010 | | Assets | $4.53 million | | Equity Capital | $819,000 | | Loan Loss Allowance | $17,000 | | Unbacked Noncurrent Loans | $40,000 |
Profit Margin - Quarterly | | Net Interest Margin | 8.84% | | Return on Assets | 0.33% | | Return on Equity | 1.69% | | Interest Income | $197,000 | | Non-Interest Income | $37,000 |
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Institution Health
Overall Score:
4 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Houston Belt & Terminal Credit Union had $39,000 in non-current loans and owned real-estate with $845,000 in equity and loan loss allowances on hand to cover it. This gives Houston Belt & Terminal Credit Union a Texas Ratio of 4.62% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Houston Belt & Terminal Credit Union held steady from 4.78% as of December 31, 2010 to 4.62% as of December 31, 2011, resulting in a positive change of 3.54%.This indicates that the balance sheet and financial strength for Houston Belt & Terminal Credit Union has held steady in recent periods. | | Deposit Growth |  | | In the past year, Houston Belt & Terminal Credit Union has decreased its total deposits by $-203,000, resulting in -5.55% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Houston Belt & Terminal Credit Union has shown is poor. | | Capitalization | | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Houston Belt & Terminal Credit Union has $4.3 million in assets with $845,000 in equity, resulting in a capitalization level of 19.67%, which is excellent. |
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