Sep, 30, 2025 — LA JOYA AREA FEDERAL CREDIT UNION is a federal credit union headquartered in PALMVIEW, TX with 3 branch locations and about $60.67 million in total assets. Opened 65 years ago in 1961, LA JOYA AREA FEDERAL CREDIT UNION has about 14,533 members and employs 34 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | LA JOYA AREA FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 317 S Bentsen Palm DR PALMVIEW, TX 78572 |
| Phone: | (956) 585-6207 |
| Fax: | (956) 424-7411 |
| Website: | https://www.lajoyacreditunion.coop |
| Branches: | 3 branch locations |
| Members: | 14,533 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 14734 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1961 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $60,674,554 |
| CEO/Manager: | Johnn V Alaniz |
| Chairperson: | Everardo Villarreal |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 7,371,994 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 8,850,823 |
| Unsecured Loans | 6,554,701 |
| Other Loans | 17,221,695 |
| TOTAL LOANS | 32,627,218 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -279,200 |
| Land And Building | 1,236,045 |
| Other Fixed Assets | 207,522 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 502,397 |
| All Other Assets | 33,178 |
| TOTAL ASSETS | 60,674,554 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 5 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 1,778,538 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 14,538,905 |
| Regular shares | 29,964,663 |
| All Other Shares & Deposits | 7,639,546 |
| TOTAL SHARES & DEPOSITS | 52,143,114 |
| TOTAL LIABILITIES | 53,921,657 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 6,752,897 |
| TOTAL EQUITY | 6,752,897 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 60,674,554 |
| INCOME & EXPENSE | |
| Loan Income | 1,862,341 |
| Investment Income | 235,852 |
| Other Income | 718,075 |
| Total Employee Compensation & Benefits | 1,218,823 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 1,819,098 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 202,827 |
| Cost of Funds | 99,113 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 89,637 |
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