Sep, 30, 2025 — HOUSTON BELT & TERMINAL FEDERAL CREDIT UNION is a federal credit union headquartered in HUMBLE, TX with 1 branch location and about $3.75 million in total assets. Opened 77 years ago in 1949, HOUSTON BELT & TERMINAL FEDERAL CREDIT UNION has about 593 members offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | HOUSTON BELT & TERMINAL FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 9810 FM 1960 Bypass Rd W Ste 105 HUMBLE, TX 77338-3573 |
| Phone: | (281) 548-3377 |
| Fax: | (281) 548-0583 |
| Website: | https://www.hbtfcu.com |
| Branches: | 1 branch locations |
| Members: | 593 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 6318 |
|---|---|
| Membership Type: | Multiple common bond - Primarily transportation |
| Corporate Credit Union: | No |
| Year Opened: | 1949 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $3,753,617 |
| CEO/Manager: | Ky'Auna Jones |
| Chairperson: | Ronnie Cauley |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 551,455 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 0 |
| Unsecured Loans | 527,562 |
| Other Loans | 2,446,716 |
| TOTAL LOANS | 2,974,279 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -22,000 |
| Land And Building | 0 |
| Other Fixed Assets | 2,525 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 20,331 |
| All Other Assets | 0 |
| TOTAL ASSETS | 3,753,617 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 47 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 75,527 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 97,430 |
| Regular shares | 1,447,575 |
| All Other Shares & Deposits | 621,362 |
| TOTAL SHARES & DEPOSITS | 2,166,367 |
| TOTAL LIABILITIES | 2,241,941 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 1,511,676 |
| TOTAL EQUITY | 1,511,676 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 3,753,617 |
| INCOME & EXPENSE | |
| Loan Income | 179,501 |
| Investment Income | 9,596 |
| Other Income | 32,761 |
| Total Employee Compensation & Benefits | 74,320 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 90,231 |
| Non-operating Income & (Expense) | 400 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 10,708 |
| Cost of Funds | 5,345 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 43,182 |
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