Federal credit union · La Joya, Texas · NCUA charter #14734
La Joya Area
Health score 73/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $59.4M
- Total assets
- 14,477
- Members
- 11.3%
- Net-worth ratio
La Joya Area - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #14734: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
La Joya Area - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)53
- Earnings (ROA)84
- Member growth25
- Liquidity (loan-to-share)88
Weighted composite: 73/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
11.29% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.29% | 30% |
| Delinquency Rate | 1.89% | 25% |
| Return on Assets | 0.34% | 15% |
| Member Growth | -2.90% | 15% |
| Loan-to-Share Ratio | 61.81% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About La Joya Area
The five-factor composite scores La Joya Area at 73/100 (Very Good), reflecting a net worth ratio of 11.29% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in La Joya, Texas, reports 14,477 members, $59.4M in total assets, and $32.4M in outstanding loans as of Q4 2025 under charter #14734 (peer group $50M–$100M, a cohort of 584 similarly-sized institutions).
Two more numbers round out the picture: a 1.89% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers - and a 61.81% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.34% on net income of $200K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -2.90%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is La Joya Area financially healthy?
La Joya Area scores 73/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 11.29% net worth ratio and a 1.89% delinquency rate.
How does La Joya Area compare to other credit unions?
73/100 is La Joya Area's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like La Joya Area are 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 11.29% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does La Joya Area offer compared to banks?
Credit unions like La Joya Area are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact La Joya Area directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.