LA JOYA AREA
Federal • La Joya, Texas • Est. 1961
Quick Facts
- Charter Number
- #14734
- Type
- Federal
- Established
- 1961
- Headquarters
- La Joya, Texas 78560
- Address
- P.O. Box 1300
- Branches
- 3
- ATMs
- 3
- Members
- 14,477
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Above-average financial health. Net worth is strong and key ratios are within normal ranges, with minor areas to monitor.
Financial Overview
Total Assets
Members
14,477 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | LA JOYA AREA |
|---|---|
| Total Assets | $59.4M |
| Members | 14,477 |
| Loans Outstanding | $32.4M |
| Shares & Deposits | $52.4M |
| Net Worth | $6.7M |
| Net Worth Ratio | 11.29% |
| Loan-to-Share Ratio | 61.8% |
| Delinquency Rate | 1.89% |
| Net Income | +$255,310 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
3 locations · 3 ATMs
La Joya
214 W Expressway 83
La Joya, TX 78560
Palmview Branch
317 S Bentsen Palm Dr
Palmview, TX 78572-6298
Annex
Main Office317 S Bentsen Palm DR
Palmview, TX 78572
Who Can Join LA JOYA AREA?
Membership Type: Other/Unknown
Membership eligibility for LA JOYA AREA may vary. Contact the credit union directly to confirm qualification requirements.
Contact LA JOYA AREA directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Texas RankingsFrequently Asked Questions
Yes. LA JOYA AREA is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, LA JOYA AREA has 14,477 members and a potential membership field of 40,000 people.
LA JOYA AREA's net worth ratio is 11.29% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.3%, LA JOYA AREA meets this threshold.
LA JOYA AREA operates 3 branch locations and has access to 3 ATMs. The main office is located at 317 S Bentsen Palm DR, Palmview, TX 78572.
LA JOYA AREA was established in 1961. It is a federal credit union chartered under charter number 14734. The institution has been serving members for 65 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or LA JOYA AREA. All financial data is for informational purposes only.