TellerScore

LA Joya Area Federal Credit Union is a federal credit union headquartered in La Joya, Texas, in business for about 65 years. At the end of Q2 2026 it reported $62.2M in total assets and $54.1M in member shares and deposits, with 3 offices.

LA Joya Area Federal Credit Union has a TellerScore of 53 out of 100 (below average) based on Q2 2026 data — higher than only 12% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 342nd. Funding & liquidity contributes the most (100/100, 55% loans-to-deposits, 6% uninsured); earnings contributes the least (22/100, 0.06%).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Net worth ratio: 10.82%
Loan quality31/100
Loans 60+ days delinquent ÷ total loans: 2.07%
Earnings22/100
Return on assets (annualized): 0.06%
Funding & liquidity100/100
Loans ÷ shares: 55.1% · 5.6% uninsured
Problem-loan coverage81/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 9.67%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 11 points (64 → 53), mostly because the loan quality component weakened by 37 points.

TellerScore
526067Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202463
Q4 202452
Q1 202563
Q2 202564
Q3 202567
Q4 202555
Q1 202657
Q2 202653
Net worth ratio
7.00%9.14%11.29%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.17%
Q3 202410.49%
Q4 202411.04%
Q1 202510.57%
Q2 202510.64%
Q3 202511.14%
Q4 202511.29%
Q1 202610.89%
Q2 202610.82%
Delinquent loans (60+ days)
0.76%1.54%2.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.91%
Q3 20240.82%
Q4 20242.32%
Q1 20251.04%
Q2 20250.96%
Q3 20250.76%
Q4 20251.89%
Q1 20261.61%
Q2 20262.07%
Return on assets
0.05%0.19%0.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.20%
Q3 20240.19%
Q4 20240.33%
Q1 20250.26%
Q2 20250.25%
Q3 20250.20%
Q4 20250.05%
Q1 20260.09%
Q2 20260.06%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202653$62.2M10.82%2.07%0.06%55.1%
Q1 202657$61.8M10.89%1.61%0.09%57.0%
Q4 202555$59.4M11.29%1.89%0.05%61.8%
Q3 202567$60.7M11.14%0.76%0.20%62.6%
Q2 202564$63.4M10.64%0.96%0.25%59.7%
Q1 202563$63.5M10.57%1.04%0.26%60.7%
Q4 202452$60.4M11.04%2.32%0.33%65.9%
Q3 202463$62.5M10.49%0.82%0.19%67.0%
Q2 202462$64.2M10.17%0.91%0.20%66.3%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.82%
22nd
Problem loans2.07%
20th
Net charge-offs0.54%
25th
Return on assets0.06%
22nd
Loans to deposits55.1%
55th
Uninsured deposits5.6%
18th
Loan-loss reserves0.00%
37th
Texas ratio9.7%
14th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Cosden Federal Credit UnionCredit union Big Spring, TX86 out of 100, Very strong$63.5M11.6%0.15%vs
Doches Credit UnionCredit union Nacogdoches, TX74 out of 100, Strong$64.5M13.5%0.62%vs
Sacred Heart Parish Hallettsville Federal Credit UnionCredit union Hallettsville, TX70 out of 100, Strong$64.6M9.8%0.01%vs
My Credit UnionCredit union Haslet, TX74 out of 100, Strong$58.2M12.8%1.02%vs
Select Federal Credit UnionCredit union San Antonio, TX70 out of 100, Strong$57.7M15.1%0.83%vs
City Public Service/Ibew Federal Credit UnionCredit union San Antonio, TX81 out of 100, Strong$56.3M14.9%1.18%vs

Deposit insurance

Is my money safe at LA Joya Area Federal Credit Union?

Yes. LA Joya Area Federal Credit Union is a federally insured credit union (NCUA charter #14734). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 5.6% of shares and deposits ($3.0M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 10.82%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

LA Joya Area Federal Credit Union lists 3 offices in 2 cities. Most locations:

  • Palmview, TX (2)
  • La Joya, TX (1)

All branch addresses and map

Identity & history

Profile

Legal name
LA Joya Area Federal Credit Union
Type
Federal credit union
NCUA charter #
14734
RSSD ID
793889
Primary regulator
NCUA
Established
1961
Headquarters
P.O. Box 1300, La Joya, TX 78560
Employees
31

Quick answers

LA Joya Area Federal Credit Union: common questions

Is LA Joya Area Federal Credit Union NCUA insured?

Yes. LA Joya Area Federal Credit Union is a federally insured credit union (NCUA charter #14734). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is LA Joya Area Federal Credit Union's TellerScore?

53 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does LA Joya Area Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near La Joya

InstitutionScoreAssetsCapitalProblem loansCompare
Highway District 21 Federal Credit UnionCredit union McAllen, TX95 out of 100, Very strong$51.6M23.1%0.23%vs
Naft Federal Credit UnionCredit union Pharr, TX93 out of 100, Very strong$162.3M16.4%0.50%vs
Bank of South TexasBank Mcallen, TX86 out of 100, Very strong$174.5M16.6%0.23%vs
Falcon International BankBank Laredo, TX85 out of 100, Very strong$2.2B13.4%0.00%vs
Edinburg Teachers Credit UnionCredit union Edinburg, TX85 out of 100, Very strong$98.0M22.6%0.12%vs
Texas Community BankBank Laredo, TX84 out of 100, Strong$2.2B12.8%0.20%vs