BlastPoint's Credit Union Scorecard
HOUSTON BELT & TERMINAL
Charter #6318 · TX
<100M
2508 CUs in <100M nationally
237 in TX
HOUSTON BELT & TERMINAL has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.82% above tier average
- + Net Interest Margin 3.01% above tier average
- + Loan-to-Share Ratio: Top 0.4% in tier
- + AMR Growth Rate: Top 1.7% in tier
- + Net Worth Ratio: Top 2.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 3.80% above tier average
- - Member decline: -23.0% YoY
- - Member Growth Rate: Bottom 1.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
590
-23.0% YoY+0.2% QoQ
|
-2.1K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
16% |
| Assets |
$3.7M
+5.9% YoY-0.1% QoQ
|
$-26.4M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
15% |
| Loans |
$2.6M
-10.0% YoY-7.7% QoQ
|
$-12.6M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
22% |
| Deposits |
$2.2M
+8.2% YoY+1.7% QoQ
|
$-23.6M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
Bottom 12.1% in tier |
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| ROA |
2.0%
+17.5% YoY+51.7% QoQ
|
+1.8% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
Top 6.8% in tier |
| NIM |
7.0%
+17.7% YoY+10.2% QoQ
|
+3.0% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
Top 1.3% in tier |
| Efficiency Ratio |
76.1%
-0.5% YoY-4.2% QoQ
|
-14.5% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
37% |
| Delinquency Rate |
5.3%
-2.1% YoY-12.8% QoQ
|
+3.8 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 5.7% in tier |
| Loan To Share |
119.6%
-16.8% YoY-9.2% QoQ
|
+61.1% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
Top 0.5% in tier |
| AMR |
$8,218
+26.5% YoY-3.8% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
20% |
| CD Concentration |
5.4%
+427.1% YoY-10.7% QoQ
|
-18.9% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.9% | 7.7% | 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: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
11
Loan-to-Share Ratio
balance_sheet
Value:
119.61%
Peer Median: 58.72%
#11 of 2508
Top 0.4% in <100M tier
32
Net Interest Margin (NIM)
profitability
Value:
7.02%
Peer Median: 3.83%
#32 of 2508
Top 1.2% in <100M tier
44
AMR Growth Rate
growth
Value:
26.50%
Peer Median: 1.27%
#44 of 2508
Top 1.7% in <100M tier
53
Net Worth Ratio
risk
Value:
40.79%
Peer Median: 14.28%
#53 of 2508
Top 2.1% in <100M tier
171
Return on Assets (ROA)
profitability
Value:
1.97%
Peer Median: 0.61%
#171 of 2508
Top 6.8% in <100M tier
305
Deposit Growth Rate
growth
Value:
8.17%
Peer Median: 0.66%
#305 of 2508
Top 12.1% in <100M tier
496
Asset Growth Rate
growth
Value:
5.94%
Peer Median: 1.30%
#496 of 2508
Top 19.7% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (8 metrics)
2469
Member Growth Rate
growth
Value:
-22.98%
Peer Median: -1.37%
#2469 of 2508
Bottom 1.6% in <100M tier
2367
Total Delinquency Rate (60+ days)
risk
Value:
5.31%
Peer Median: 0.65%
#2367 of 2508
Bottom 5.7% in <100M tier
2205
Total Deposits
balance_sheet
Value:
$2.21M
Peer Median: $18.77M
#2205 of 2508
Bottom 12.1% in <100M tier
2127
Total Assets
balance_sheet
Value:
$3.74M
Peer Median: $21.86M
#2127 of 2508
Bottom 15.2% in <100M tier
2106
Total Members
engagement
Value:
590
Peer Median: 1,918
#2106 of 2508
Bottom 16.1% in <100M tier
2010
Average Member Relationship (AMR)
engagement
Value:
$8,218
Peer Median: $13,926
#2010 of 2508
Bottom 19.9% in <100M tier
1951
Total Loans
balance_sheet
Value:
$2.64M
Peer Median: $9.48M
#1951 of 2508
Bottom 22.2% in <100M tier
1950
Loan Growth Rate
growth
Value:
-10.03%
Peer Median: -2.36%
#1950 of 2508
Bottom 22.3% in <100M tier