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
Call Report peers
VYSTAR in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); VYSTAR sits in 70-74 with 317 others.
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
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).
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.
- One place up in Florida, FICARE (#98) ties at 72/100; one place down, Emerald Coast (#100) ties at 72/100.
VYSTAR: 2025Q4 → 2026Q1
VYSTAR: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.6% from $13.72B (2025Q4) to $13.80B (2026Q1).
- Net-worth ratio shifted +0.05 pp (8.81% → 8.86%).
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
VYSTAR gives up 28 points in total. Return on Assets costs the most, 15 of its 15; Loan-to-Share Ratio loses the least, 0.9.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is VYSTAR financially healthy?
VYSTAR has a financial health score of 72/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,494 of 4,374 nationally on health and #99 of 109 in Florida. Its net worth ratio is 8.86% and its delinquency rate 1.48%.
How does VYSTAR compare to other credit unions?
VYSTAR scores 72/100, higher than 20% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (91.93% vs 83.90%). Its widest shortfall is net worth ratio (8.86% vs 11.18%).
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?
VYSTAR is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.