State credit union · Jacksonville, Florida · NCUA charter #68490
VYSTAR
Health score 72/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $13.72B
- Total assets
- 1,047,447
- Members
- 8.9%
- Net-worth ratio
VYSTAR scores 72/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $13.72B; members 1,047,447; net-worth ratio 8.86%; health rank #3,494 of 4,374; healthier than 20th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,494 of 4,374 health · 2025Q4VYSTAR · health 72/100 · $13.72B · 2025Q4
- ROA 72/100
- ASSETS 8.9%
- MEM 1.48%
- RANK -0.61%
- PHOTO $13.72B
- BOOK 1,047,447
- CHARTER #3,494/4,374
- NCUSIF FOURLEAF
- CAMELS 68490
Call Report peers
VYSTAR in the assets neighbourhood
VYSTAR's $13.72B assets sit next to FOURLEAF ($14.04B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
VYSTAR vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
72 20th percentile higher than 20% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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.
Where VYSTAR diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 91.93% here, 83.90% peer average (+8.03 pp).
- Net Worth Ratio trails the peer set - 8.86% here, 11.18% peer average (-2.32 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Florida standing for VYSTAR
- Health composite ranks #99 of 109 among scored Florida credit unions.
- Florida assets place: #2 of 109.
- Member book place in Florida: #2 of 109.
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
VYSTAR: 2025Q4 → 2026Q1
VYSTAR: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.6% from $13.72B (2025Q4) to $13.80B (2026Q1).
- Net-worth ratio shifted +0.05 pp (8.81% → 8.86%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 8.86%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 72/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 72.
- Net Worth Ratio 27.2 pts
- Delinquency Rate 16.4 pts
- Return on Assets 0.0 pts
- Member Growth 13.9 pts
- Loan-to-Share Ratio 14.5 pts
VYSTAR health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.86% | -2.32 pp |
| Delinquency Rate | 1.48% | +0.61 pp |
| Return on Assets | -0.61% | -1.12 pp |
| Member Growth | 4.04% | - |
| Loan-to-Share Ratio | 91.93% | +8.03 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $13.80B | - |
| 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
Branch Locations (100)
VYSTAR operates 100 offices across 50 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Corporate Office (VyStar Tower) (Main Office) | Jacksonville, FL |
| 159-Alachua | Alachua, FL |
| 191-Altamonte Springs | Altamonte Springs, FL |
| 418-Belleview High School | Belleview, FL |
| 186-Brunswick | Brunswick, GA |
| 135-Callahan | Callahan, FL |
| 409-West Nassau High School | Callahan, FL |
| 155-Daytona Beach | Daytona Beach, FL |
| 158-Deland | Deland, FL |
| 117-Fernandina Beach | Fernandina Beach, FL |
| 416-Fernandina High School | Fernandina Beach, FL |
| 129-Gainesville | Gainesville, FL |
| 502-Gainesville 43rd | GAINESVILLE, FL |
| 130-Green Cove Springs | Green Cove Springs, FL |
| 415-Clay High School | Green Cove Springs, FL |
| 108-103rd Street | Jacksonville, FL |
| 112-Arlington | Jacksonville, FL |
| 401-Bartram Bear High School | Jacksonville, FL |
| 122-Beaches & 295E | Jacksonville, FL |
| 120-Downtown | Jacksonville, FL |
| 124-Julington Creek | Jacksonville, FL |
| 121-Kernan | Jacksonville, FL |
| 110-Mandarin | Jacksonville, FL |
| 123-Normandy | Jacksonville, FL |
| 114-Northside | Jacksonville, FL |
| 126-Oakleaf | Jacksonville, FL |
| 111-Regency Commons | Jacksonville, FL |
| 103-Roosevelt | Jacksonville, FL |
| 107-Southside | Jacksonville, FL |
| 101-NAS JAX | Jacksonville, FL |
| 136-Oceanway | Jacksonville, FL |
| 404-Wolfson High School | Jacksonville, FL |
| 140-Baymeadows & 295E | Jacksonville, FL |
| 144-Riverside | Jacksonville, FL |
| 141-Chaffee Pointe | Jacksonville, FL |
| 411-First Coast High School | Jacksonville, FL |
| 151-Springfield | Jacksonville, FL |
| 412-Mandarin High School | Jacksonville, FL |
| 160-San Marco | Jacksonville, FL |
| 165-Bartram Park | Jacksonville, FL |
| 100 W Bay St | Jacksonville, FL |
| 419-Riverside High School | Jacksonville, FL |
| 134-Lake City | Lake City, FL |
| 173-Lake Mary | Lake Mary, FL |
| 118-Macclenny | Macclenny, FL |
| 183-Marietta, GA | Marietta, GA |
| 176-Melbourne | Melbourne, FL |
| 420 - Melbourne High School | Melbourne, FL |
| 146-Branan Field Plantation | Middleburg, FL |
| 410-Middleburg High School | Middleburg, FL |
| 113-Middleburg | Middleburg, FL |
| 166-Mount Dora | Mount Dora, FL |
| 153-Neptune Beach | Neptune Beach, FL |
| 413-Fletcher High School | Neptune Beach, FL |
| 194-Peachtree Corners | Norcross, GA |
| 161-Ocala | Ocala, FL |
| 156-Orange City | Orange City, FL |
| 115-Eagle Harbor | Orange Park, FL |
| 403-Fleming Island High School | Orange Park, FL |
| 105-Orange Park | Orange Park, FL |
| 109-Orange Park Drive Thru | Orange Park, FL |
| 406-Orange Park High School | Orange Park, FL |
| 168-Downtown Orlando (branch) | Orlando, FL |
| 190-Lake Nona | Orlando, FL |
| 149-Ormond Beach | Ormond Beach, FL |
| 164-Oviedo | Oviedo, FL |
| 125-Palatka | Palatka, FL |
| 408-Palatka High School | Palatka, FL |
| 127-Palm Coast | Palm Coast, FL |
| 407-Matanzas High School | Palm Coast, FL |
| 167-Flagler Beach | Palm Coast, FL |
| 505-Perry | Perry, FL |
| 143-Ponte Vedra | Ponte Vedra Beach, FL |
| 147-Nocatee | Ponte Vedra Beach, FL |
| 150-Port Orange | Port Orange, FL |
| 154-St. Augustine North | Saint Augustine, FL |
| 138-CR210 | SAINT JOHNS, FL |
| 163-Sanford | Sanford, FL |
| 182-Savannah, GA | Savannah, GA |
| 178-Smyrna, Georgia | Smyrna, GA |
| 402-Pedro Menendez High School | St Augustine, FL |
| 119-St Augustine | St Augustine, FL |
| 145-Murabella | St Augustine, FL |
| 131-Starke | Starke, FL |
| 417-Bradford High School | Starke, FL |
| 506-Steinhatchee | Steinhatchee, FL |
| 185-Stockbridge, GA | Stockbridge, GA |
| 180-Suwanee | Suwanee, GA |
| 172-Tallahassee-Mahan Drive | Tallahassee, FL |
| 169-Tallahassee | Tallahassee, FL |
| 177-Tallahassee-Capital Circle | Tallahassee, FL |
| 175-Villages Oxford | The Villages, FL |
| 174-Thomasville | Thomasville, GA |
| 171-Titusville | Titusville, FL |
| 162-The Villages | Wildwood, FL |
| 170-Winter Garden | Winter Garden, FL |
| 204-Hamlin | Winter Garden, FL |
| 179-Winter Park | Winter Park, FL |
| 152-Yulee | Yulee, FL |
| 414-Yulee High School | Yulee, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
VYSTAR nationwide neighbourhoods
Two NCUA Call Report peer sets for VYSTAR, both outside Florida so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($13.72B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (72/100 here).
Using this data
- VYSTAR ranks #3,494 of 4,374 nationally on financial health and #99 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Space Coast is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Space Coast
- Rates and health both vary by institution, not just by state -- see how Florida credit unions compare overall before assuming this one is typical. Florida state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is VYSTAR financially healthy?
A 8.86% net worth ratio and a 1.48% delinquency rate feed into VYSTAR's financial health score of 72/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,494 of 4,374; by total assets it ranks #17 of 4,374 nationally (same basis as /rankings/largest); and #2 of 109 within Florida. 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 72/100, 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 8.86% exceeds 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.
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.