State credit union · Jacksonville, Florida · NCUA charter #68490
Vystar
Health score 62/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 62
- Health / 100
- $13.72B
- Total assets
- 1,047,447
- Members
- 6.3%
- Net-worth ratio
Vystar - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #68490 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Vystar - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)58
- Asset quality (delinquency)66
- Earnings (ROA)0
- Member growth92
- Liquidity (loan-to-share)94
Weighted composite: 62/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 6.32%, this institution is below the 7.0% NCUA well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 6.32% | 30% |
| Delinquency Rate | 1.48% | 25% |
| Return on Assets | -0.61% | 15% |
| Member Growth | 4.04% | 15% |
| Loan-to-Share Ratio | 91.93% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $13.72B | 1,047,447 |
| 2024Q4 | $13.97B | 1,006,733 |
| 2023Q4 | $13.58B | 926,588 |
Credit Union Details
- Charter Number
- 68490
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Florida
- City
- Jacksonville
- Data Quarter
- 2025Q4
What This Data Says About Vystar
1,047,447 members and $13.72B in total assets sit behind Vystar, a state credit union in Jacksonville, Florida, which posts a health score of 62/100 (Good) on the five-factor composite, with $10.20B in outstanding loans as of Q4 2025 and a net worth ratio of 6.32% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #68490 in peer group Over $500M, a cohort of 749 similarly-sized institutions.
On loan book quality: 1.48% of loans are 60+ days past due against the total loan book - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Meanwhile a 91.93% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -0.61% on net income of $-83846786 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 4.04%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Florida
A look at other Florida credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Vystar financially healthy?
A 6.32% net worth ratio and a 1.48% delinquency rate feed into Vystar's financial health score of 62/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Vystar compare to other credit unions?
PlainCU's health composite puts Vystar at 62/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Vystar?
Membership eligibility for Vystar depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Vystar directly for current membership requirements and application steps.
Is my money safe at Vystar?
Federal credit unions like Vystar are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Vystar's net worth ratio of 6.32% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Vystar offer compared to banks?
Credit unions like Vystar are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Vystar directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.