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LA JOYA AREA FEDERAL CREDIT UNION

Dec, 31, 2023 — LA JOYA AREA FEDERAL CREDIT UNION is a federal credit union headquartered in PALMVIEW, TX with 3 branch locations and about $63.95 million in total assets. Opened 63 years ago in 1961, LA JOYA AREA FEDERAL CREDIT UNION has about 15,149 members and employs 36 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)
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:15,149
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:Jun 01, 2022
FHLB Member:No
Low Income Designation:No
Assets:$63,954,771
CEO/Manager:Johnn V Alaniz
Chairperson:Everardo Villarreal

Call Report

  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 1,288,344
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 10,012,914
 Unsecured Loans 7,630,219
 Other Loans 21,943,642
 TOTAL LOANS 39,586,774
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -251,640
 Land And Building 1,292,082
 Other Fixed Assets 187,459
 NCUSIF Deposit 574,659
 All Other Assets 33,178
  TOTAL ASSETS 63,954,771
LIABILITIES & CAPITAL:  
 Dividends Payable 3,351
 Notes & Interest Payable 1,000,000
 Accounts Payable & Other Liabilities 637,832
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 14,055,758
 Regular shares 32,064,823
 All Other Shares & Deposits 9,729,704
  TOTAL SHARES & DEPOSITS 55,850,285
  TOTAL LIABILITIES 57,491,468
 Regular Reserve 0
 Other Reserves 362,602
 Undivided Earnings 6,100,701
  TOTAL EQUITY 6,463,303
  TOTAL LIABILITIES, SHARES, & EQUITY 63,954,771
INCOME & EXPENSE  
 Loan Income 2,677,810
 Investment Income 175,105
 Other Income 1,064,842
 Total Employee Compensation & Benefits 1,643,929
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 2,409,291
 Non-operating Income & (Expense) 351,780
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 231,247
 Cost of Funds 193,574
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 687,489
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