CU Explorer
Credit unions · Texas · Q2 2026

Houston Belt & Terminal FCU

Credit union in Humble, TX · NCUA charter #6318 · Federal charter

Legal name: Houston Belt & Terminal

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$3.8M
Total loans & leases$2.6M
Total shares & deposits$2.2M
Members589
Net worth$1.6M
Net worth / assets40.46%
Loans / assets66.42%
Return on assets (annualized)1.44%
Loan growth (YoY)−10.50%
Member growth (YoY)0.51%
Delinquency, all loans (60+ days)9.37%
CharterFederal charter
Asset band< $50M
NCUA peer group$2M–$10M
Sponsor typeService (finance, health, transport, utilities)

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): online membership application, online loan application, online account opening, online loan payments, e-signature, e-Statements, external transfers / ACH. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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