La Joya Area Federal Credit Union


Overview / Commentary
956-585-6207
214 East Expressway 83
La Joya, TX 78560

La Joya Area Federal Credit Union is headquartered in Palmview and is the 181st largest credit union in the state of Texas. It is also the 2,237th largest credit union in the nation. It was established in 1961 and as of March of 2025, it had grown to 26 employees and 14,858 members at 2 locations. La Joya Area Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to those who live or work in Hidalgo County or their immediate family.
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Health
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. La Joya Area Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #14734
Year Chartered1961
Employees26
Primary Regulator
Profit Margin
Return on Assets - YTD0.27%
Return on Equity - YTD2.49%
Annual Interest Income$692K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$63.5MM$65.3MM
LoansQ1 2025vs Q1 2024$33.6MM$37.5MM
DepositsQ1 2025vs Q1 2024$55.3MM$57.3MM
Equity CapitalQ1 2025vs Q1 2024$6.7MM$6.5MM
Loan Loss AllowanceQ1 2025vs Q1 2024$249K$246K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$350K$331K
Real Estate OwnedQ1 2025vs Q1 2024$33K$33K
Rates
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La Joya Area Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$25-Regular Shares
0.15%$25-Diamond Share Account
0.15%$25-Coyote Kids Share Account

La Joya Area Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%$2.5k-Money Market

La Joya Area Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.81%$1k-60 Month Certificate
1.61%$1k-48 Month Certificate
1.46%$1k-36 Month Certificate
1.26%$1k-24 Month Certificate
0.90%$1k-18 Month Certificate
0.80%$1k-12 Month Certificate
0.60%$1k-6 Month Share Certificate

La Joya Area Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$0-IRA Share
Locations


La Joya Area Federal Credit Union Locations
Branch Office214 W Expressway 83La Joya, TX 78560
Branch Office317 S Bentsen Palm DrPalmview, TX 78572-6298

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