Credit union
VyStar Credit Union
Jacksonville, Florida, Duval County, FL
$14.3B in total assets and 1,024,058 members, the 18th largest of 4,298 US credit unions and 2nd of 107 headquartered in Florida.
- NCUA charter
- 68490
- Charter
- State chartered (FL)
- Chartered
- 1952
- NCUA insured since
- 1971
- Low-income designation
- Yes
- Website
- https://www.vystarcu.org
At a glance
Compared with 23 US federally insured credit unions with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This credit union | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $14.3B | 30% | $19.4B | |
| Loans | $10.7B | 30% | $13.8B | |
| Deposits (shares) | $11.2B | 26% | $15.6B | |
| Members | 1,024,058 | 56% | 953,370 | |
| Return on assets | 0.49% | 9% | 0.90% | |
| Net interest income to assets | 3.36% | 61% | 3.18% | |
| Efficiency ratio | 72.6% | 78% | 61.1% | |
| Net worth ratio | 8.93% | 4% | 10.72% | |
| Loans to shares | 96% | 78% | 89% | |
| Cost of deposits | 1.42% | 13% | 2.24% |
Ratios are annualized from year-to-date figures. Return on assets uses average assets, as NCUA does. Cost of deposits includes dividends on shares.
Growth
Total assets grew 8.7% a year over 10 years and 5.3% a year over the last 5, including 4 mergers in the last 10 years. Membership grew 5.6% a year over 5 years, to 1,024,058.
Dashed lines mark larger mergers, listed below.
Mergers and acquisitions
| Closed | Absorbed | Assets at last filing |
|---|---|---|
| Mar 2024 | 121 Financial Credit Union Credit union, Jacksonville, FL | $694M |
| Jan 2023 | First Coast Federal Credit Union Credit union, Jacksonville, FL | $10M |
| Aug 2019 | Citizens State Bank Bank, Perry, FL | $273M |
| Nov 2016 | Anchor Seven Federal Credit Union Credit union, Jacksonville, FL | $1M |
Where they operate
97 branches in 26 counties.
Also 4 branches outside this map: 4 in Georgia. 2 of 97 branch locations are approximate (ZIP code centers).
Largest counties by branches
| County | Branches | Share of all branches | Rank |
|---|---|---|---|
| Duval County, FL | 25 | 9.8% | 1 of 48 |
| Clay County, FL | 10 | 25.6% | 1 of 18 |
| St. Johns County, FL | 9 | 11.4% | 2 of 24 |
| Nassau County, FL | 6 | 17.1% | 1 of 17 |
| Orange County, FL | 5 | 1.5% | 18 of 62 |
| Volusia County, FL | 5 | 3.8% | 10 of 29 |
| Seminole County, FL | 4 | 3.2% | 10 of 39 |
| Alachua County, FL | 3 | 3.6% | 10 of 25 |
Credit unions do not report deposits by branch, so these are branch counts: this credit union's branches against every bank and credit union branch in the county. Rank is among all banks and credit unions with a branch there.
Branches by year
| Year end | Branches | Change |
|---|---|---|
| 2016 | 56 | |
| 2017 | 62 | +6 |
| 2018 | 67 | +5 |
| 2019 | 76 | +9 |
| 2020 | 78 | +2 |
| 2021 | 82 | +4 |
| 2022 | 88 | +6 |
| 2023 | 94 | +6 |
| 2024 | 98 | +4 |
| 2025 | 98 | 0 |
| Jun 2026 | 97 | −1 |
Member-serving offices as listed in NCUA call reports. Changes include branches gained in mergers.
Earnings and credit
Return on assets
Year to date, annualized, with the peer median.
Credit and capital
| This credit union | Peer median | |
|---|---|---|
| Delinquent loans, 60+ days | 1.25% | 0.91% |
| Net worth ratio | 8.93% | 10.72% |
| Loans to shares | 96% | 89% |
Delinquent loans are two or more months past due. Net worth is NCUA's capital measure for credit unions.
Related
Credit unions of similar size in Florida
Most branches in Duval County, FL
Figures as of June 30, 2026 from the credit union's NCUA call report (Form 5300), NCUA's credit union locator and FFIEC merger records.