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Overview / Commentary
1081 Hockman Pike
Bluefield, VA 24605

Joy Employees Federal Credit Union is headquartered in Bluefield and is the 126th largest credit union in the state of Virginia. It is also the 5,363rd largest credit union in the nation. It was established in 1969 and as of September of 2017, it had grown to 247 members at 1 location. Joy Employees Federal Credit Union has a C- health rating.

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Health
C-
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Joy Employees Federal Credit Union has a very low asset base, and a negative return on assets.

Health Grade Components

Overall
NCUA #19158
Year Chartered1969
Employees0
Primary Regulator
Profit Margin
Return on Assets - YTD-7.21%
Return on Equity - YTD-42.13%
Annual Interest Income$56.00K
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$1.5MM$1.6MM
LoansQ3 2017vs Q3 2016$1.1MM$1.2MM
DepositsQ3 2017vs Q3 2016$1.3MM$1.3MM
Equity CapitalQ3 2017vs Q3 2016$250.00K$336.00K
Loan Loss AllowanceQ3 2017vs Q3 2016$150.00K$53.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$206.00K$240.00K
Real Estate OwnedQ3 2017vs Q3 2016$0$0
Rates

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Locations


Joy Employees Federal Credit Union Locations
Branch Office1081 Hockman PikeBluefield, VA 24605