Vystar
Jacksonville, FL · Charter 68490 · Peer group: credit unions any (n=25)
NCUA · 98 branches
Q2 2026
$14.3BAssets
$10.7BLoans
$11.2BShares
$1.2BNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 52% of credit unions any (rank 12 of 25).
- Widest gap: equity / assets trails 96% of credit unions any (rank 24 of 25).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.48%
Rank 22 of 25
Net Interest Margin
3.29%
Rank 12 of 25
Efficiency Ratio
72.58%
Rank 20 of 25
Equity / Assets
8.71%
Rank 24 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.48% | 0.54% | 0.87% | 1.36% | Beats 12% | 22 / 25 | |
| Return on Equity | 5.49% | 5.49% | 9.20% | 10.99% | Beats 24% | 19 / 25 | |
| Net Interest Margin | 3.29% | 2.86% | 3.13% | 3.50% | Beats 52% | 12 / 25 | |
| Efficiency Ratio | 72.58% | 54.62% | 61.07% | 70.28% | Beats 24% | 20 / 25 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.25% | 0.64% | 0.92% | 1.30% | Beats 36% | 17 / 25 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.71% | 9.55% | 10.72% | 11.84% | Beats 4% | 24 / 25 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.71% | 9.55% | 10.72% | 11.84% | Beats 4% | 24 / 25 | |
| Liquidity & Funding |
| Loans / Deposits | 96.00% | 81.23% | 88.75% | 93.33% | 76th pctl | 6 / 25 | |
| Loans / Assets | 75.14% | 68.82% | 78.26% | 79.51% | 40th pctl | 15 / 25 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |