# LA JOYA AREA
La Joya, TX · NCUA charter 14734 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/la-joya-area-14734

Who the members are: federal charter, community charter, organized 1961, low-income designated, minority depository institution. 14,429 members of 40,000 potential (36.1% of the field); checking penetration 45% (share draft accounts per 100 members); loans per 100 members 23.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $61.8M |
| Members | 14,429 (-2.9% YoY) |
| Full-time staff | 25 |
| Net worth | $6.7M |
| Net worth ratio | 10.9% (p29 of band) |
| ROA (annualized) | 0.09% (p17 of band) |
| Total delinquency | 1.61% (p88 of band) |
| Net charge-offs (annualized) | 0.76% (p83 of band) |
| Loans / shares | 57% (p44 of band) |
| Cash / assets | 34.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.13% (p75 of band) |
| Operating expense / assets | 6.50% (p98 of band) |
| Vehicles % of loans | 42% (p51 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 1.00% (p70 of band) |
| Vehicle NCO | 1.21% (p86 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 26% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 20% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 86% |
| Certificates % of member funds | 7% |
| Average share balance | $3,115 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 23% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $9,399 |
| Loans granted, annualized | $9.9M |

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | expense trap, charge-offs p90 |  |
| 2016-06 | 1 |  | charge-offs p90 |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | delinquency 2x band |  |
| 2017-03 | 4 | delinquency rising, assets shrinking |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 4 | losing money | assets shrinking |
| 2017-12 | 3 |  | delinquency rising |
| 2018-03 | 5 | net worth falling, charge-offs p90, members leaving | losing money |
| 2018-06 | 4 |  | net worth falling |
| 2018-09 | 4 | delinquency rising | members leaving |
| 2018-12 | 2 |  | charge-offs p90, delinquency rising |
| 2019-03 | 1 | margin squeeze | expense trap, delinquency 2x band |
| 2019-06 | 1 | expense trap | margin squeeze |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | delinquency 2x band, delinquency rising |  |
| 2020-06 | 5 | thin capital, net worth falling |  |
| 2020-09 | 6 | margin squeeze |  |
| 2020-12 | 5 |  | net worth falling |
| 2021-03 | 5 | charge-offs p90 | delinquency rising |
| 2021-06 | 4 |  | delinquency 2x band |
| 2021-09 | 4 |  |  |
| 2021-12 | 4 |  |  |
| 2022-03 | 3 | delinquency 2x band | margin squeeze, charge-offs p90 |
| 2022-06 | 2 |  | delinquency 2x band |
| 2022-09 | 4 | delinquency 2x band, delinquency rising |  |
| 2022-12 | 2 | margin squeeze | expense trap, delinquency 2x band, delinquency rising |
| 2023-03 | 4 | expense trap, delinquency 2x band, assets shrinking | margin squeeze |
| 2023-06 | 4 | delinquency rising | thin capital |
| 2023-09 | 3 |  | delinquency rising |
| 2023-12 | 3 | delinquency rising | delinquency 2x band |
| 2024-03 | 3 | charge-offs p90 | delinquency rising |
| 2024-06 | 2 |  | charge-offs p90 |
| 2024-09 | 2 |  |  |
| 2024-12 | 5 | delinquency 2x band, delinquency rising, loan book shrinking |  |
| 2025-03 | 2 |  | assets shrinking, delinquency 2x band, delinquency rising |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | loan book shrinking |
| 2025-12 | 2 | delinquency 2x band |  |
| 2026-03 | 3 | delinquency rising |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2019-08-07 [La Joya Area FCU open to all of Hidalgo County - Progress Times](https://news.google.com/rss/articles/CBMikgFBVV95cUxOLVRFczllLUg0SEtqQjd3czBkS1UwZWRPSWZQb08tQUpwTDJFTlJvLXJaZndDZ3A3VkRqb0MyTWVaYTlrdjdVX2RaQlFUSEVqQUQzckNDTW5WQUF5OWdiSG1la1dhZi1tcWpHNDBIQXkxdXpLY0hQRkxaYVMyd1dGQVh5b3pSNWNKUW9DdXE2aTNKQQ?oc=5) · Progress Times
- 2024-12-31 [54 Hispanic American-Owned Banks and Credit Unions, Sorted by State - businessinsider.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxNNmt0RG9HN2paQWIzZFhYT1ZrSzJMMFB4RXpMdnRZRThiZUFoLUlDVWJUWmQwYVBTZ3NQNU9JRVJHcG9QZUZuTklnUlc1MzFncHhidzRmc0p6RFRXYm43WlUzT2RvckFKUGNiNEpIU1hzbkozLWtVX2p1V1ZCNVZiNmN4T2lKMXpGU3RVTkpGbWhsa0E0SXZ4WlBUMnVhTFAzcVE?oc=5) · businessinsider.com
- 2020-07-06 [Daniel Zamora Obituary - Mission, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxNR1piUHBzc0VuemdyWEtZeEo4TmZjYVZSb1pwOU1sNW1jSGdSbHpWN2NsV1UwMW5wbVFKal9PNDBhajBKMnp5SWdXTHFZVFdISWJJOTRTTGx2c1RqTnMxcHh3bVlIX2NnaGNHaXluREhMTFlYeGloZzl3eTZ2NEUtMw?oc=5) · Dignity Memorial
- 2023-01-11 [La Joya appoints new city attorney - ValleyCentral.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPSkVnNnk3RldPcHkwbmdqU1pTVGFuUVAtMktiTzFVX0Y0QTAtdVdhUXNTXzhVbzBSZ3RrUGxYUi0tdFVtblh4ZzZEX0FLWkw3bF94MnhsM3pxc3J4S1RGMldKOEVQZWhRN3hhZ2c2blZfVjkzeXd2UVZYWlNDclVCNll0SjNseHAw0gGOAUFVX3lxTE8tOFVyUVdVX0Q0T00tNUJjRDVSZGg2bThQNHozN3JoUEZHdFBKM3dGQTJtTFRoUkRNSlQ1U1djWU9DWC1OaE5ZVnFKMDZZWnBLMlQwaUJzLUlMWDAza0pSSUVwMHBjYkhQVGNudWNEWmFTVmdZVGRkUTBCMHpaNlRRd0pISU41SDBkQ3U5T3c?oc=5) · ValleyCentral.com
- 2012-05-25 [USAO - 120525 - Gamez and Herrera - Department of Justice (.gov)](https://news.google.com/rss/articles/CBMirAFBVV95cUxOMFZIUjFZV2xmaE9MSWNvV1VVNmV0eW5XcGgxeWZGY1JUZHRlVUVpaTZNSkJIU2ZyWXB4bDlRZjk2TjFnVlotYzRzblY5aVpOVGliNEN2YXU0dDJta3BnZUpGTkdSX3Mwb29iVGVhSS1WSzlGQkQ5a2Q0ZWZ4ajEtUUFTellmeHdpQzBmZU9nR0xoUGplbWlkNVhuNC1fZjJycU4xOGYySjhwaFNY?oc=5) · Department of Justice (.gov)
- 2024-01-02 [Miguel De Luna Sr. Obituary (2024) - McAllen, TX - Ric Brown Family Funeral Home - at the Expressway of Mission - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTFBYa0M1cEtqZjFqM1FMR252dE9fdDU1czcwNURqU3NlV0xYa1JaaEJkbkNsLV94MF9OX251RUJ2UU9lWllaV0VaRjJHU1VpTWlGN05yOHRNUUhmU2xWZ25HaW1xV2llSmhwWFVSWjM4ajBqTElZU3lzaGVUdW9NYXc?oc=5) · legacy.com
- 2012-03-01 [USAO - 120301 - Gamez and Reyes-Rodriguez - Department of Justice (.gov)](https://news.google.com/rss/articles/CBMiugFBVV95cUxOeDdCV0V3Zi0zZUFYNGZ6WW9MdmFVSFpsTnBlRHk2ZDRzRTUtc2hnSWlDQVFCWXZZTmJneml2LWdNOG81VEhNcU1TXzdYYWNBN1hFMGhRZWMwc3J4MWdPWHpJTDRlR0lFNmlqQVVpdVk1QUNJNlEtd0N0Z0l2TVBzRUNfQXVHbTdEUFVsdjRMMFlQZFIwZFJxUGpBVVkwVGstdll6NGo4UkJ0UWVqaFJla3BOeTE1NTUzN0E?oc=5) · Department of Justice (.gov)
- 2012-12-24 [Christmas Eve bank robbery reported in Palmview - ValleyCentral.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxOdlMwVWwzVEIzaDBmdjYxWTJoWldlVXIwVXgyN2lMdFpjM3RDcEFZcjkzSGpZajdIX0FwdHJ5RlE0T3ZDWU1zSnhyd1FMd00tVjRzUE50MFNDd2RDUlQxdWtmWkRYeGN0d3c0QzdNUVNLbUlDTUZoaFFPUUwxSGtaSEtkWnA3a1lXci1fdmtiVXBJZEo4dFZwWWl30gGfAUFVX3lxTE80V19EYkhlb0ZjY0JQVGJUTjdBeVAyY3Fjdk1DREo3TU1VTlRqYmhpcWktaUVnS3FyM0t6YjdHWXYwQmZybnI2ZnhxSjA2TmdXbHZPdEpGQklCT0Jkb3FfNUh2UDBydzZfY0UyRklmUkw5M0JkUmV6VkljMnJ4cDQ4bGZIbE1vNkM5dHhCa1B1RmotLUswUWhCSlRLNklWNA?oc=5) · ValleyCentral.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14734 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/14.json (key "14734", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=14734
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide