BlastPoint's Credit Union Scorecard
HOUSTON BELT & TERMINAL
Charter #6318 · TX
2556 CUs in <100M nationally
243 in TX
HOUSTON BELT & TERMINAL has 9 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.68% above tier average
- + Net Interest Margin 2.41% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 0.4% in tier
- + AMR Growth Rate: Top 0.9% in tier
- + Net Worth Ratio: Top 2.2% in tier
- + Loan Growth Rate: Top 7.2% in tier
- + Deposit Growth Rate: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 4.53% above tier average
- - Member decline: -18.8% YoY
- - Member Growth Rate: Bottom 2.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
589
-18.8% YoY-0.7% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
16% |
| Assets |
$3.7M
+7.5% YoY-0.2% QoQ
|
$-26.4M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
15% |
| Loans |
$2.9M
+13.2% YoY-3.8% QoQ
|
$-12.9M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
23% |
| Deposits |
$2.2M
+10.8% YoY+0.2% QoQ
|
$-23.5M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 12.0% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.3%
-38.4% YoY-16.4% QoQ
|
+0.7% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
78% |
| NIM |
6.4%
-8.3% YoY-3.7% QoQ
|
+2.4% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Top 2.6% in tier |
| Efficiency Ratio |
79.5%
+10.2% YoY+5.5% QoQ
|
-3.1% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
50% |
| Delinquency Rate |
6.1%
-1.0% YoY+26.3% QoQ
|
+4.5 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Top 4.7% in tier |
| Loan To Share |
131.7%
+2.1% YoY-4.1% QoQ
|
+71.1% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Top 0.5% in tier |
| AMR |
$8,543
+38.0% YoY-1.5% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
21% |
| CD Concentration |
6.0%
+532.0% YoY+0.7% QoQ
|
-18.4% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
10
Loan-to-Share Ratio
balance_sheet
Value:
131.73%
Peer Median: -
#10 of 2556
Top 0.4% in <100M tier
25
AMR Growth Rate
growth
Value:
38.04%
Peer Median: -
#25 of 2556
Top 0.9% in <100M tier
56
Net Worth Ratio
risk
Value:
40.49%
Peer Median: -
#56 of 2556
Top 2.2% in <100M tier
67
Net Interest Margin (NIM)
profitability
Value:
6.37%
Peer Median: -
#67 of 2556
Top 2.6% in <100M tier
185
Loan Growth Rate
growth
Value:
13.16%
Peer Median: -
#185 of 2556
Top 7.2% in <100M tier
214
Deposit Growth Rate
growth
Value:
10.83%
Peer Median: -
#214 of 2556
Top 8.3% in <100M tier
380
Asset Growth Rate
growth
Value:
7.53%
Peer Median: -
#380 of 2556
Top 14.8% in <100M tier
559
Return on Assets (ROA)
profitability
Value:
1.30%
Peer Median: -
#559 of 2556
Top 21.8% in <100M tier
Top Weaknesses (7 metrics)
2506
Member Growth Rate
growth
Value:
-18.76%
Peer Median: -
#2506 of 2556
Bottom 2.0% in <100M tier
2437
Total Delinquency Rate (60+ days)
risk
Value:
6.08%
Peer Median: -
#2437 of 2556
Bottom 4.7% in <100M tier
2249
Total Deposits
balance_sheet
Value:
$2.17M
Peer Median: -
#2249 of 2556
Bottom 12.1% in <100M tier
2167
Total Assets
balance_sheet
Value:
$3.75M
Peer Median: -
#2167 of 2556
Bottom 15.3% in <100M tier
2151
Total Members
engagement
Value:
589
Peer Median: -
#2151 of 2556
Bottom 15.9% in <100M tier
2018
Average Member Relationship (AMR)
engagement
Value:
$8,543
Peer Median: -
#2018 of 2556
Bottom 21.1% in <100M tier
1969
Total Loans
balance_sheet
Value:
$2.86M
Peer Median: -
#1969 of 2556
Bottom 23.0% in <100M tier