VyStar

Jacksonville, FL · 2 · Charter #68490 · www.vystarcu.org
Large (>$10B)Reporting period: Q4 2025Peer group: 21 CUs

Performance vs peers

Percentile rank within the Large (>$10B) peer group (21 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$13.7B
19th percentile
Members
1,047,447
43th percentile
Total loans
$10.2B
10th percentile
Total shares
$10.9B
14th percentile

Profitability

Return on assets
0.48%
19th percentile
Net interest margin
3.33%
67th percentile
Efficiency ratio
55.86%
14th percentile
Non-interest income ratio
21.34%
90th percentile

Capital & Risk

Net worth ratio
8.81%
10th percentile
Delinquency rate
1.48%
29th percentile
Net charge-off rate
1.01%
38th percentile
Loan-to-share
93.55%
57th percentile

Growth

Member growth YoY
4.04%
52th percentile
Asset growth YoY
-1.85%
10th percentile
Loan growth YoY
2.37%
14th percentile
Share growth YoY
3.60%
19th percentile

Operations

Members / branch
10,580
15th percentile
Assets / member
$13,096
14th percentile
Field of membership penetration
5.38%
24th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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