HOUSTON BELT & TERMINAL
Charter #6318 · HUMBLE, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 40.79% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.97% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 7.01% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 5.31% sits at the 95th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | HOUSTON BELT & TERMINAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.74M | 48th pct | 25th pct |
| Members | 590 | 50th pct | 31th pct |
| Net worth ratio | 40.79% | 94th pct | 87th pct |
| Return on average assets | 1.97% | 90th pct | 85th pct |
| Net interest margin | 7.01% | 97th pct | 90th pct |
| Cost of funds | 0.49% | 50th pct | 41th pct |
| Loan-to-share | 119.61% | 99th pct | 92th pct |
| Delinquency 60+ days | 5.31% | 87th pct | 95th pct |
| Net charge-off ratio | 0.00% | 22th pct | 25th pct |
| Loan growth YoY | -11.21% | 23th pct | 2th pct |
| Share growth YoY | 1.92% | 65th pct | 69th pct |
| Efficiency ratio | 76.12% | 33th pct | 38th pct |
structural peer set hash: b82bd9bd82c532ea72d691763be77de6… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.