VyStar Credit Union
Total assets
$13.80B
▼ -1.7% YoY
Shares & deposits
$11.31B
▲ +2.1% YoY
Loans
$10.40B
▲ +5.6% YoY
Members
1,058,604
▲ +4.0% YoY
ROA (annualized)
0.41%
peers 0.77%
ROE (annualized)
4.65%
peers 7.68%
Peer comparison 24 credit unions with 10B+ in assets
| Metric | VyStar Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.7% | +7.0% | -8.7 pts |
| Share growth (YoY) | +2.1% | +6.8% | -4.7 pts |
| Loan growth (YoY) | +5.6% | +6.8% | -1.2 pts |
| ROA | 0.41% | 0.77% | -0.4 pts |
| ROE | 4.7% | 7.7% | -3.0 pts |
ROA ranks in the 4th percentile of its peer group · Q1 2026
Profile
- Established
- 1952
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 76 S Laura St, Jacksonville, FL, 32202
- NCUA charter #
- 68490
- RSSD ID
- 99189
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $13.80B | $11.31B | $10.40B | $1.22B | $14.2M | 0.41% | 3.36% | 1.22% | 1,058,604 |
| Q4 2025 | $13.72B | $11.10B | $10.20B | $1.21B | $56.3M | 0.41% | 3.33% | 1.48% | 1,047,447 |
| Q3 2025 | $13.90B | $11.07B | $10.22B | $1.22B | $41.1M | 0.39% | 3.25% | 1.40% | 1,037,027 |
| Q2 2025 | $13.99B | $11.05B | $9.99B | $1.20B | $20.1M | 0.29% | 3.18% | 1.23% | 1,024,502 |
| Q1 2025 | $14.04B | $11.07B | $9.85B | $1.19B | $11.7M | 0.33% | 3.09% | 0.74% | 1,017,874 |
| Q4 2024 | $13.97B | $10.70B | $9.97B | $1.17B | $-83.8M | -0.60% | 3.09% | 1.02% | 1,006,733 |
| Q3 2024 | $14.75B | $10.77B | $10.06B | $1.30B | $16.4M | 0.15% | 2.88% | 0.98% | 997,469 |
| Q2 2024 | $14.75B | $10.80B | $10.07B | $1.30B | $14.3M | 0.19% | 2.82% | 0.88% | 984,565 |
Loan mix (Q1 2026): real estate $4.61B · commercial $1.01B · consumer $3.58B · securities $1.88B
Ratio pack Q1 2026 · peer medians from 24 institutions
Profitability
| Ratio | VyStar Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.41% | 0.77% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 7.7% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.36% | 3.08% | 65th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.6% | 62.8% | 78th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | VyStar Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | VyStar Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | VyStar Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | VyStar Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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