BlastPoint's Credit Union Scorecard
HOUSTON BELT & TERMINAL
Charter #6318 · TX
HOUSTON BELT & TERMINAL has 8 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.87% above tier average
- + Net Interest Margin 2.68% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 0.2% in tier
- + Net Worth Ratio: Top 2.3% in tier
- + Loan Growth Rate: Top 3.8% in tier
- + Member Growth Rate: Top 7.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 3.31% above tier average
- - Total Delinquency Rate (60+ days): Bottom 6.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
593
+4.6% YoY+1.2% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
16% |
| Assets |
$3.8M
+8.4% YoY+2.6% QoQ
|
$-26.1M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
16% |
| Loans |
$3.0M
+18.8% YoY+4.4% QoQ
|
$-12.8M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
24% |
| Deposits |
$2.2M
+9.3% YoY+1.9% QoQ
|
$-23.3M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 12.4% in tier |
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| ROA |
1.6%
-18.6% YoY-55.0% QoQ
|
+0.9% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
81% |
| NIM |
6.6%
+1.7% YoY-23.4% QoQ
|
+2.7% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Top 2.3% in tier |
| Efficiency Ratio |
75.3%
+4.3% YoY+23.6% QoQ
|
-6.1% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
43% |
| Delinquency Rate |
4.8%
+107.7% YoY+207.3% QoQ
|
+3.3 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Top 6.5% in tier |
| Loan To Share |
137.3%
+8.6% YoY+2.4% QoQ
|
+76.1% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Top 0.4% in tier |
| AMR |
$8,669
+9.6% YoY+2.1% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
22% |
| CD Concentration |
6.0%
+253.2% YoY+504.9% QoQ
|
-18.4% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)