HOUSTON BELT & TERMINAL
Charter #6318 | TX
<100M
(2596 CUs)
Micro
($0-$500M)
245 <100M in 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
|
Bottom 16.0% in tier |
| 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
|
Bottom 15.5% in tier |
| 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
|
Bottom 23.8% in tier |
| 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 |
| 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
|
Top 18.9% in tier |
| 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
|
43rd in tier |
| 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
|
Bottom 22.3% in tier |
| 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
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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 (11 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
6
Loan-to-Share Ratio
balance_sheet
Value:
137.29%
Peer Avg: 61.23%
#6 of 2596
Top 0.2% in <100M tier
60
Net Interest Margin (NIM)
profitability
Value:
6.61%
Peer Avg: 3.93%
#60 of 2596
Top 2.3% in <100M tier
61
Net Worth Ratio
risk
Value:
40.27%
Peer Avg: 16.43%
#61 of 2596
Top 2.3% in <100M tier
99
Loan Growth Rate
growth
Value:
18.78%
Peer Avg: 59.01%
#99 of 2596
Top 3.8% in <100M tier
193
Member Growth Rate
growth
Value:
4.59%
Peer Avg: 14.92%
#193 of 2596
Top 7.4% in <100M tier
267
AMR Growth Rate
growth
Value:
9.58%
Peer Avg: 4.67%
#267 of 2596
Top 10.2% in <100M tier
270
Deposit Growth Rate
growth
Value:
9.33%
Peer Avg: 16.80%
#270 of 2596
Top 10.4% in <100M tier
315
Asset Growth Rate
growth
Value:
8.36%
Peer Avg: 1.82%
#315 of 2596
Top 12.1% in <100M tier
Top Weaknesses (7 metrics)
2429
Total Delinquency Rate (60+ days)
risk
Value:
4.82%
Peer Avg: 1.51%
#2429 of 2596
Bottom 6.5% in <100M tier
2275
Total Deposits
balance_sheet
Value:
$2.17M
Peer Avg: $25.45M
#2275 of 2596
Bottom 12.4% in <100M tier
2193
Total Assets
balance_sheet
Value:
$3.75M
Peer Avg: $29.86M
#2193 of 2596
Bottom 15.6% in <100M tier
2179
Total Members
engagement
Value:
593
Peer Avg: 2,626
#2179 of 2596
Bottom 16.1% in <100M tier
2018
Average Member Relationship (AMR)
engagement
Value:
$8,669
Peer Avg: $14,627
#2018 of 2596
Bottom 22.3% in <100M tier
1979
Total Loans
balance_sheet
Value:
$2.97M
Peer Avg: $15.77M
#1979 of 2596
Bottom 23.8% in <100M tier
1968
Net Charge-Off Rate
risk
Value:
0.64%
Peer Avg: 0.57%
#1968 of 2596
Bottom 24.2% in <100M tier