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

La Joya Area Federal Credit Union is headquartered in La Joya and is the 180th largest credit union in the state of Texas. It is also the 2,305th largest credit union in the nation. It was established in 1961 and as of June of 2018, it had grown to 30 employees and 16,271 members at 3 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.
See current membership details

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Reviews (1)

Small Town Bank

My wife was working as a teacher at La Joya ISD. When she began her employment, the provided information about the arrangement they had with the local credit union. Because of her employment with the district, it was streamlined so we could have direct deposit to an account with the local credit union. Also, because of her employment, there were many options and incentives we were pre-qualified for. This was nice and made banking seamless. We opened and account and got everything setup. Anytime we visited the bank, the service was excellent. They even joked that were part of the "family". My wife and I both attended school at the district, and that must have added to the quality of service we received. We also have some family that lives in the city, so that really gave it the small town appeal. We recommended the credit union to most people because of the small town style service. The checking features were on par with other banks and they have kept up with technology as well.



Health
B+
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
Employees30
Primary Regulator
Profit Margin
Return on Assets - YTD0.2%
Return on Equity - YTD2.1%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$51.6MM$50.6MM
LoansQ2 2018vs Q2 2017$31.6MM$28.7MM
DepositsQ2 2018vs Q2 2017$45.7MM$44.3MM
Equity CapitalQ2 2018vs Q2 2017$5.0MM$5.7MM
Loan Loss AllowanceQ2 2018vs Q2 2017$736.00K$160.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$636.00K$690.00K
Real Estate OwnedQ2 2018vs Q2 2017$33.00K$90.00K
Rates
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La Joya Area Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%--IRA Share
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 CD
1.61%$1k-48 Month CD
1.46%$1k-36 Month CD
1.26%$1k-24 Month CD
0.90%$1k-18 Month CD
0.80%$1k-12 Month CD
0.60%$1k-6 Month CD
Locations


La Joya Area Federal Credit Union Locations
Branch Office302 Llano GrandeWeslaco, TX 78596-5200
Branch Office214 W Expressway 83La Joya, TX 78560
Branch Office317 S Bentsen Palm DrPalmview, TX 78572-6298

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