La Joya Area
La Joya, TX · Charter 14734 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 3 branches
Q2 2026
$62.2MAssets
$29.8MLoans
$54.1MShares
$6.7MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 68% of credit unions under $1B in assets in TX (rank 76 of 235).
- Widest gap: nonperforming loans / loans trails 87% of credit unions under $1B in assets in TX (rank 206 of 235).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.06%
Rank 189 of 235
Net Interest Margin
4.13%
Rank 76 of 235
Efficiency Ratio
95.06%
Rank 196 of 235
Equity / Assets
10.82%
Rank 184 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.06% | 0.17% | 0.57% | 1.10% | Beats 20% | 189 / 235 | |
| Return on Equity | 0.56% | 1.03% | 4.30% | 7.58% | Beats 21% | 186 / 235 | |
| Net Interest Margin | 4.13% | 3.32% | 3.89% | 4.35% | Beats 68% | 76 / 235 | |
| Efficiency Ratio | 95.06% | 70.60% | 82.00% | 91.57% | Beats 17% | 196 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.07% | 0.20% | 0.59% | 1.14% | Beats 13% | 206 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.82% | 11.30% | 14.41% | 19.49% | Beats 22% | 184 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.82% | 11.30% | 14.41% | 19.49% | Beats 22% | 184 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 55.05% | 54.18% | 67.38% | 81.66% | 26th pctl | 174 / 235 | |
| Loans / Assets | 47.89% | 43.80% | 56.63% | 68.64% | 31st pctl | 161 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |