Federal credit union · La Joya, Texas · NCUA charter #14734
La Joya Area
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $59.4M
- Total assets
- 14,477
- Members
- 10.9%
- Net-worth ratio
La Joya Area scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $59.4M; members 14,477; net-worth ratio 10.89%; health rank #3,413 of 4,374; healthier than 21st of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,413 of 4,374 health · 2025Q4La Joya Area · health 73/100 · $59.4M · 2025Q4
Call Report peers
La Joya Area in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
La Joya Area vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); La Joya Area sits in 70-74 with 317 others.
73 21st percentile higher than 21% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
La Joya Area vs $50M–$100M peers
- Widest shortfall vs peers is Net Worth Ratio: -2.73 pp (10.89% vs 13.62%).
Texas standing for La Joya Area
- In Texas, health place is #299 of 386 on the same NCUA-ratio sort used nationally.
- By total assets, La Joya Area is #179 of 386 in Texas.
- Member book place in Texas: #101 of 386.
- One place up in Texas, JSC (#298) ties at 73/100; one place down, Education First (#300) ties at 73/100.
La Joya Area: 2025Q4 → 2026Q1
La Joya Area: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.9% from $59.4M (2025Q4) to $61.8M (2026Q1).
- Net-worth ratio shifted -0.40 pp (11.29% → 10.89%).
10.89% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 73/100 score is built
La Joya Area gives up 27 points in total. Delinquency Rate costs the most, 11.7 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 13.3 pts
- Return on Assets 12.5 pts
- Member Growth 3.8 pts
- Loan-to-Share Ratio 13.4 pts
La Joya Area health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.89% | -2.73 pp |
| Delinquency Rate | 1.89% | +0.93 pp |
| Return on Assets | 0.34% | -0.32 pp |
| Member Growth | -2.90% | - |
| Loan-to-Share Ratio | 61.81% | -0.79 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
La Joya Area quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $61.8M | - |
| 2025Q4 | $59.4M | 14,477 |
| 2024Q4 | $60.4M | 14,910 |
| 2023Q4 | $64.0M | 15,149 |
Credit Union Details
- Charter Number
- 14734
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Texas
- City
- La Joya
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for La Joya Area, spread across 2 cities.
| Office | City |
|---|---|
| Annex (Main Office) | Palmview, TX |
| La Joya | La Joya, TX |
| Palmview Branch | Palmview, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
Cross-state Call Report peers for La Joya Area
Using this data
- La Joya Area ranks #3,413 of 4,374 nationally on financial health and #299 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- COSDEN is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with COSDEN
Frequently Asked Questions
Is La Joya Area financially healthy?
On its 2025Q4 NCUA 5300 filing, La Joya Area scores 73/100 (Very Good), with a 10.89% net worth ratio and 1.89% of loans delinquent. It ranks #3,413 of 4,374 nationally on health and #299 of 386 in Texas.
How does La Joya Area compare to other credit unions?
La Joya Area scores 73/100, higher than 21% of the 4,374 scored credit unions. Its widest shortfall is net worth ratio (10.89% vs 13.62%).
How can I join La Joya Area?
La Joya Area operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact La Joya Area directly for the exact boundaries and application steps.
Is my money safe at La Joya Area?
La Joya Area is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. La Joya Area's net worth ratio of 10.89% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.