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LA JOYA AREA FEDERAL CREDIT UNION

Dec, 31, 2020 — LA JOYA AREA FEDERAL CREDIT UNION is a federal credit union headquartered in La Joya, TX with 3 branch locations and about $61.00 million in total assets. Opened 60 years ago in 1961, LA JOYA AREA FEDERAL CREDIT UNION has about 15,472 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:15,472
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:$60,999,247
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 6,631,609
TOTAL INVESTMENTS 19,546,651
Loans Held for Sale 0
 
 Real Estate Loans 7,095,020
 Unsecured Loans 6,437,934
 Other Loans 19,156,939
 TOTAL LOANS 32,689,893
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -247,554
 Land And Building 1,401,606
 Other Fixed Assets 182,516
 NCUSIF Deposit 514,608
 All Other Assets 279,918
  TOTAL ASSETS 60,999,247
LIABILITIES & CAPITAL:  
 Dividends Payable 2,950
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 481,561
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 14,371,572
 Regular shares 30,952,464
 All Other Shares & Deposits 9,868,820
  TOTAL SHARES & DEPOSITS 55,192,856
  TOTAL LIABILITIES 55,677,367
 Regular Reserve 362,602
 Other Reserves 0
 Undivided Earnings 4,959,278
  TOTAL EQUITY 5,321,880
  TOTAL LIABILITIES, SHARES, & EQUITY 60,999,247
INCOME & EXPENSE  
 Loan Income 2,502,603
 Investment Income 192,749
 Other Income 1,831,150
 Total Employee Compensation & Benefits 1,914,459
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 2,433,791
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 0
 Cost of Funds 134,803
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 43,449
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