Houston Belt & Terminal Federal Credit Union
LOCATIONS
1
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HEALTH RATING
C+
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CURRENT TOP RATE
1.01% APY
3 Year CD
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Overview / Commentary
Houston Belt & Terminal Federal Credit Union is headquartered in Humble and is the 389th largest credit union in the state of Texas. It is also the 4,612th largest credit union in the nation. It was established in 1949 and as of September of 2019, it had grown to 2 employees and 615 members at 1 location. Houston Belt & Terminal Federal Credit Union's money market rates are 14% higher than the national average, and it has a C+ health rating.
Field of Membership Restrictions
Must be employed by Union Pacific Railroad, BNSF, Pileco or be an immediate family member of an existing member.
See current membership details
Health
C+
Data as of Q3 2019
Learn why bank health mattersAdditional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Houston Belt & Terminal Federal Credit Union has a very low asset base.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 6318 |
| Year Chartered | 1949 |
| Employees | 2 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 2.19% |
| Return on Equity - YTD | 8.28% |
| Annual Interest Income | $209.00K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q3 2019vs Q3 2018 | $4.5MM$4.5MM |
| Loans | Q3 2019vs Q3 2018 | $3.4MM$2.9MM |
| Deposits | Q3 2019vs Q3 2018 | $3.3MM$3.3MM |
| Equity Capital | Q3 2019vs Q3 2018 | $1.2MM$1.1MM |
| Loan Loss Allowance | Q3 2019vs Q3 2018 | $22.00K$15.00K |
| Unbacked Noncurrent Loans | Q3 2019vs Q3 2018 | $0$25.00K |
| Real Estate Owned | Q3 2019vs Q3 2018 | $0$0 |