La Joya Area Federal Credit Union

Overview / Commentary
214 East Expressway 83
La Joya, TX 78560

La Joya Area Federal Credit Union is headquartered in Palmview and is the 169th largest credit union in the state of Texas. It is also the 2,207th largest credit union in the nation. It was established in 1961 and as of December of 2021, it had grown to 28 employees and 15,302 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.
See current membership details

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.

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

NCUA #14734
Year Chartered1961
Primary Regulator
Profit Margin
Return on Assets - YTD0.02%
Return on Equity - YTD0.24%
Annual Interest Income$2.6MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$69.0MM$61.0MM
LoansQ4 2021vs Q4 2020$32.3MM$32.7MM
DepositsQ4 2021vs Q4 2020$62.5MM$55.2MM
Equity CapitalQ4 2021vs Q4 2020$5.3MM$5.3MM
Loan Loss AllowanceQ4 2021vs Q4 2020$235.00K$248.00K
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$177.00K$807.00K
Real Estate OwnedQ4 2021vs Q4 2020$33.00K$33.00K
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La Joya Area Federal Credit Union Savings Account Rates

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

0.35%$2.5k-Money Market

La Joya Area Federal Credit Union CD Rates

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

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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