Houston Belt & Terminal Federal Credit Union

Overview / Commentary

www.hbtfcu.com

281-548-3377

9810 Fm 1960 Bypass Rd W Ste 105
Humble, TX 77338

Houston Belt & Terminal Federal Credit Union is headquartered in Humble and is the 392^nd largest credit union in the state of Texas. It is also the 4,629^th largest credit union in the nation. It was established in 1949 and as of December of 2019, it had grown to 2 employees and 610 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.
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Health

C+

Data as of Q4 2019

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Additional 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	2.17%
Return on Equity - YTD	7.86%
Annual Interest Income	$283.00K

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$4.2MM$4.4MM
Loans	Q4 2019vs Q4 2018	$3.4MM$3.0MM
Deposits	Q4 2019vs Q4 2018	$2.9MM$3.2MM
Equity Capital	Q4 2019vs Q4 2018	$1.2MM$1.1MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$22.00K$15.00K
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$0$25.00K
Real Estate Owned	Q4 2019vs Q4 2018	$0$0

Rates

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Savings
Money Market
Checking
CD

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Houston Belt & Terminal Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%	$500	-	Share Savings
0.25%	$5	-	Christmas Club
0.25%	$500	-	Vacation Club

Houston Belt & Terminal Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%^*	$5k^*	-	Money Market
OTHER TIERS: 0.25% → $500 - $5k

Houston Belt & Terminal Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$500	-	Share Draft

Houston Belt & Terminal Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.01%	$2k	-	3 Year CD
0.80%	$2k	-	2 Year CD
0.60%	$2k	-	1 Year CD

Locations

Houston Belt & Terminal Federal Credit Union Locations
Branch Office	9810 FM 1960 Bypass Rd W Ste 105	Humble, TX 77338-3573

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