La Joya Area
La Joya Area is a credit union based in La Joya, Texas, established in 1961, with $62 million in total assets serving 14,429 members. By Trust Grade it ranks 258th of 379 credit unions we track in Texas. Its net worth ratio of 10.9% trails most similarly sized credit unions (24th percentile), versus a Texas median of 13.5%. It was profitable over the most recent period, with a 0.09% return on assets. No consumer complaints against La Joya Area appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How La Joya Area compares to Texas peers
How we graded La Joya Area
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (10.9% capital ratio)
- Profitable (ROA 0.09%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for La Joya Area over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at La Joya Area insured?
Yes. La Joya Area is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
La Joya Area: frequently asked questions
Is La Joya Area a good credit union?
La Joya Area earns a Bankzia Trust Grade of B (87/100, "Strong"), based on a financial-strength score of 87/100 (it has no CFPB complaints on record). Well-capitalized (10.9% capital ratio); Profitable (ROA 0.09%).
Is La Joya Area NCUA-insured?
Yes. La Joya Area is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is La Joya Area?
La Joya Area holds $62 million in total assets, ranking 258th of 379 credit unions we track in Texas. It serves 14,429 members.
Does La Joya Area have CFPB complaints?
No CFPB complaints against La Joya Area appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
