Houston Belt & Terminal Federal Credit Union
Overview / Commentary
Houston Belt & Terminal Federal Credit Union is headquartered in Humble and is the 365th largest credit union in the state of Texas. It is also the 4,107th largest credit union in the nation. It was established in 1949 and as of March of 2025, it had grown to 2 employees and 766 members at 1 location. Houston Belt & Terminal Federal Credit Union has a C health rating.
Field of Membership Restrictions
Houston Belt & Terminal Federal Credit Union is open to employees of Union Pacific Railroad, Pileco, or BNSF, and immediate family of existing members.
See current membership details
Health
C
Data as of Q1 2025
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 | 1.68% |
| Return on Equity - YTD | 3.96% |
| Annual Interest Income | $54K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $3.5MM$4.2MM |
| Loans | Q1 2025vs Q1 2024 | $2.9MM$2.3MM |
| Deposits | Q1 2025vs Q1 2024 | $2MM$2.7MM |
| Equity Capital | Q1 2025vs Q1 2024 | $1.5MM$1.4MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $22K$22K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $159K$69K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |