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Overview / Commentary
1081 Hockman Pike
Bluefield, VA 24605

Joy Employees Federal Credit Union is headquartered in Bluefield and is the 128th largest credit union in the state of Virginia. It is also the 5,450th largest credit union in the nation. It was established in 1969 and as of March of 2016, it had grown to 279 members at 1 location. Joy Employees Federal Credit Union has a C health rating.


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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.

Health Grade Components

NCUA #19158
Year Chartered1969
Primary Regulator
Profit Margin
Return on Assets - YTD0.71%
Return on Equity - YTD4.66%
Annual Interest Income$29.00K
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$2.3MM$2.3MM
LoansQ1 2016vs Q1 2015$1.4MM$1.7MM
DepositsQ1 2016vs Q1 2015$1.9MM$2.0MM
Equity CapitalQ1 2016vs Q1 2015$343.00K$318.00K
Loan Loss AllowanceQ1 2016vs Q1 2015$23.00K$22.00K
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$85.00K$113.00K
Real Estate OwnedQ1 2016vs Q1 2015$0$0

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