PackageTrendsPeer
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Vystar

Jacksonville, FL · Charter 68490

NCUA · 98 branches

Q2 2026

$14.3BAssets
$10.7BLoans
$11.2BShares
$1.2BNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.48%, up 19 bps year over year; NIM at 3.29%.
  • Asset quality: problem loans at 1.25% of loans (+2 bps YoY).
  • Capital: net worth / assets of 8.71%, up 16 bps from a year ago.
  • Funding: loans stand at 96.00% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.48%+19 bps YoY

Net Interest Margin (YTD, annualized)

3.29%+12 bps YoY

Efficiency Ratio (YTD, annualized)

72.58%-649 bps YoY

Net Worth / Assets

8.71%+16 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.29%0.39%0.41%0.41%0.48%+19 bps
Return on Equity3.37%4.51%4.66%4.65%5.49%+212 bps
Net Interest Margin3.18%3.25%3.33%3.36%3.29%+12 bps
Efficiency Ratio79.07%77.28%76.84%72.62%72.58%-649 bps
Growth
Asset Growth (YoY)-5.18%-5.73%-1.85%-1.72%2.05%+723 bps
Loan Growth (YoY)-0.81%1.61%2.37%5.61%7.36%+817 bps
Share Growth (YoY)2.32%2.74%3.74%2.14%1.13%-119 bps
Asset Quality
Delinquent Loans / Loans1.23%1.40%1.48%1.22%1.25%+2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.54%8.75%8.81%8.86%8.71%+16 bps
Net Worth / Assets8.54%8.75%8.81%8.86%8.71%+16 bps
Liquidity & Funding
Loans / Shares90.43%92.39%91.93%91.98%96.00%+557 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%97.54%+9,754 bps