La Joya Area Credit Union

La Joya Area Credit Union is headquartered in La Joya and is the 195^th largest credit union in the state of Texas. It is also the 2,539^th largest credit union in the nation. It was established in 1961 and as of December of 2011, it had grown to 31 employees and 15,858 members. La Joya Area Credit Union's money market rates are 70% higher than the national average, and it has a 4-star health rating.

La Joya Area Credit Union Savings Account Rates

La Joya Area Credit Union Money Market Rates

La Joya Area Credit Union CD Rates

Data for Q4 2011

Institution Statistics LA JOYA AREA NCUA # 14734 BankRate Report View Year Chartered 1961 Employees 31 Primary Regulator Assets and Liabilities Assets $39.69 million Loans $29.31 million Deposits $34.15 million Equity Capital $4.54 million Loan Loss Allowance $400,000 Unbacked Noncurrent Loans $373,000 Real Estate Owned $52,000 Historic Data - December 2010 Assets $41.96 million Equity Capital $4.58 million Loan Loss Allowance $329,000 Unbacked Noncurrent Loans $361,000 Real Estate Owned $114,000 Profit Margin - Quarterly Net Interest Margin 7.87% Return on Assets -0.09% Return on Equity -0.79% Interest Income $2.70 million Non-Interest Income $1.86 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 La Joya Area Credit Union had $425,000 in non-current loans and owned real-estate with $4.94 million in equity and loan loss allowances on hand to cover it. This gives La Joya Area Credit Union a Texas Ratio of 8.60% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for La Joya Area Credit Union held steady from 9.68% as of December 31, 2010 to 8.60% as of December 31, 2011, resulting in a positive change of 11.14%.This indicates that the balance sheet and financial strength for La Joya Area Credit Union has held steady in recent periods. Deposit Growth In the past year, La Joya Area Credit Union has decreased its total deposits by -$2.44 million, resulting in -6.67% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth La Joya Area Credit Union has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. La Joya Area Credit Union has $39.69 million in assets with $4.94 million in equity, resulting in a capitalization level of 12.45%, which is excellent.

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