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La Joya Area Federal Credit Union

Popular Accounts at this Credit Union

1.81%5-year CD60 Month CD
0.80%1-year CD12 Month CD
0.15%SavingsDiamond Account

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

La Joya Area Federal Credit Union is headquartered in La Joya and is the 181st largest credit union in the state of Texas. It is also the 2,338th largest credit union in the nation. It was established in 1961 and as of September of 2016, it had grown to 28 employees and 16,950 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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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 low asset base.

Health Grade Components

NCUA #14734
Year Chartered1961
Primary Regulator
Profit Margin
Return on Assets - YTD0.51%
Return on Equity - YTD4.63%
Annual Interest Income$1.8MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$49.6MM$51.0MM
LoansQ3 2016vs Q3 2015$27.4MM$27.3MM
DepositsQ3 2016vs Q3 2015$43.2MM$44.2MM
Equity CapitalQ3 2016vs Q3 2015$5.7MM$5.4MM
Loan Loss AllowanceQ3 2016vs Q3 2015$133.00K$288.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$279.00K$176.00K
Real Estate OwnedQ3 2016vs Q3 2015$90.00K$0
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La Joya Area Federal Credit Union Savings Account Rates

0.50%--IRA Account
0.15%--Regular Share Account
0.15%--Diamond Account
0.15%--Coyote Kids Account

La Joya Area Federal Credit Union Money Market Rates

0.35%--Money Market Account

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