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LA JOYA AREA FEDERAL CREDIT UNION

Mar, 31, 2021 — LA JOYA AREA FEDERAL CREDIT UNION is a federal credit union headquartered in La Joya, TX with 3 branch locations and about $70.18 million in total assets. Opened 60 years ago in 1961, LA JOYA AREA FEDERAL CREDIT UNION has about 15,406 members and employs 38 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


ABA Routing Number: 314985468
Name:LA JOYA AREA FEDERAL CREDIT UNION
Address:
(Main Office)
P.O. Box 1300
La Joya, TX 78560
Phone:(956) 585-6207
Fax:(956) 424-7411
Website:http://www.lajoyacreditunion.coop
Branches:3 branch locations
Members:15,406
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:Oct 01, 2019
FHLB Member:No
Low Income Designation:No
Assets:$70,182,787
CEO/Manager:Johnn V Alaniz
Chairperson:Belinda Garcia

Call Report

  • Overdraft Protection
  • Pay Day Loans
  • Real Estate Loans
  • Risk Based Loans
  • Share Secured Credit Cards
  • ATM/Debit Card Program
  • Check Cashing
  • Insurance/Investment Sales
  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 13,580,175
TOTAL INVESTMENTS 22,772,395
Loans Held for Sale 0
 
 Real Estate Loans 7,260,416
 Unsecured Loans 5,900,670
 Other Loans 18,462,795
 TOTAL LOANS 31,623,881
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -135,007
 Land And Building 1,390,791
 Other Fixed Assets 170,633
 NCUSIF Deposit 514,608
 All Other Assets 265,311
  TOTAL ASSETS 70,182,787
LIABILITIES & CAPITAL:  
 Dividends Payable 2,991
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 1,654,630
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 17,643,722
 Regular shares 35,613,534
 All Other Shares & Deposits 9,942,234
  TOTAL SHARES & DEPOSITS 63,199,490
  TOTAL LIABILITIES 64,857,111
 Regular Reserve 362,602
 Other Reserves 0
 Undivided Earnings 4,963,074
  TOTAL EQUITY 5,325,676
  TOTAL LIABILITIES, SHARES, & EQUITY 70,182,787
INCOME & EXPENSE  
 Loan Income 566,954
 Investment Income 61,621
 Other Income 225,116
 Total Employee Compensation & Benefits 420,585
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 592,176
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 12,000
 Cost of Funds 33,902
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 3,797
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