VYSTAR
Jacksonville, FL · State Credit Union · Chartered in FL
Who can join
Type 99
Members
1,058,604
Net Worth Ratio
8.86%
min. 7% = Well Capitalized
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
At a Glance
Total Assets
$13.80B
Peer Group 6
Members
1,058,604
as of latest quarter
Net Worth Ratio
8.86%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Financial Snapshot
Total Assets
$13.80B
Total Shares
$11.31B
Total Loans
$10.40B
Net Income
$14.2M
Net Worth Ratio
8.86%
≥7% = Well Capitalized
Members
1,058,604
Return on Assets
0.10%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.91%
$95.2M
Loan-to-share ratio: 92.0%· healthy range 60–80%
Branch Locations
NCUACorporate Office (VyStar Tower)
76 S Laura St, Jacksonville, FL, 32202-3433
Mon-Fri 8:30-5:00
161-Ocala
4602 SW College Rd, Ocala, FL, 34474-5720
MON-THU 9-5 FRI 9-6
412-Mandarin High School
4831 Greenland Rd, Jacksonville, FL, 32258-1517
MON-FRI 10:30-12:15
413-Fletcher High School
700 Seagate Ave, Neptune Beach, FL, 32266-3505
MON-FRI 10:30-12:15
160-San Marco
1600 Hendricks Ave, Jacksonville, FL, 32207-3110
MON-THU 9-5 FRI 7:30-6 SAT 9-1
165-Bartram Park
13680 Old Saint Augustine Rd, Jacksonville, FL, 32258
MON-THU 9-5 FRI 9-6
164-Oviedo
3055 Alafaya Trl, Oviedo, FL, 32765-9403
MON-THU 9-5 FRI 9-6
167-Flagler Beach
2550 Moody Blvd, Palm Coast, FL, 32137
MON-THU 9-5 FRI 9-6
414-Yulee High School
85375 Miner Rd, Yulee, FL, 32097-7253
TUE-FRI 11:30-1
163-Sanford
251 W 1st St, Sanford, FL, 32771-1203
MON-THU 9-5 FRI 9-6
90 more locations not shown.
Mortgage Lending (HMDA)
Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.
Consumer Complaints
29 CFPB complaints on record for VYSTAR CREDIT UNION.
| Date | Product | Issue | State | Response |
|---|
Showing 10 most recent of 29 total.
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<a href="https://bankscorer.com/credit-union/vystar" target="_blank" rel="noopener">View VYSTAR on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.