LA JOYA AREA
Charter #14734 · La Joya, TX · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 14,429 ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 10.89% sits at the 23rd percentile of structural peers — worth a closer look.
- Return on average assets of 0.09% sits at the 8th percentile of structural peers — worth a closer look.
- Net interest margin of 4.21% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.28% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | LA JOYA AREA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $61.77M | 28th pct | 52th pct |
| Members | 14,429 | 99th pct | 89th pct |
| Net worth ratio | 10.89% | 29th pct | 23th pct |
| Return on average assets | 0.09% | 17th pct | 8th pct |
| Net interest margin | 4.21% | 77th pct | 82th pct |
| Cost of funds | 0.28% | 13th pct | 16th pct |
| Loan-to-share | 57.02% | 44th pct | 39th pct |
| Delinquency 60+ days | 1.61% | 88th pct | 95th pct |
| Net charge-off ratio | 0.74% | 82th pct | 90th pct |
| Loan growth YoY | -6.17% | 12th pct | 11th pct |
| Share growth YoY | 2.96% | 51th pct | 48th pct |
| Efficiency ratio | 92.86% | 87th pct | 84th pct |
structural peer set hash: 1b7cb1ae6b6c8570bb61a40370652753… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.