HOUSTON BELT & TERMINAL Credit Union Profile

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HOUSTON BELT & TERMINAL

Charter #6318 | NCUA Region 2 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (281) 548-3377

Fax: (281) 548-0583

Founding Date: N/A

Website: http://www.hbtfcu.com

Personnel & Operations

President: Cauley, Ronnie

Manager: Jones, Ky'Auna

FT Employees: 2

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 52

Branches: 1

Hours: 9 AM TO 5 PM

Credit Union Profile Summary

HOUSTON BELT & TERMINAL is a FCU Credit Union. With a total of 586 members [1], this institution manages approximately $3,663,531 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 40.7% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 12.89% [1].

Financial Snapshot

Total Assets [1]
$3,663,531

Total economic resources.

Total Loans [1]
$2,850,178

Total value of outstanding loans.

Total Deposits [1]
$2,126,619

Total funds deposited by members.

Members [1]
586

Number of active members.

Performance Ratios

Net Worth Ratio [1]
40.7%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
3.47%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
134.02%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -6.16%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 12.89%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↑ 5.21%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

9810 FM 1960 BYPASS RD W STE 105

HUMBLE, TX, 77338-3573
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 1 branches reported by HOUSTON BELT & TERMINAL (Charter #6318).

Main Office

Houston Belt & Terminal FCU Main Office

Type: Corporate Office

9810 FM 1960 Bypass Rd W Ste 105

Humble, TX 77338-3573

Phone: (281) 548-3377

Services: Member Services

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