credit union · NCUA 68490 · FL
How big is VYSTAR?
VYSTAR (FL, NCUA charter 68490) reported total assets of $14.3B, 1,024,058 members and a net worth ratio of 8.93% in its Call Report for 2026Q2. That ranks 18 of 4,299 federally insured credit unions by assets, 18 of 25 among credit unions over $10b in assets, 2 of 107 credit unions in florida.
What stands out
VYSTAR (FL, NCUA charter 68490) reported total assets of $14.3B, 1,024,058 members and a net worth ratio of 8.93% in its Call Report for 2026Q2. That ranks 18 of 4,299 federally insured credit unions by assets, 18 of 25 among credit unions over $10b in assets, 2 of 107 credit unions in florida. Against its size class: net worth ratio 8.93%, below the peer median of 10.72%; loan-to-share ratio 96.00%, above the peer median of 88.75%; return on assets 0.48%, below the peer median of 0.87%. At 8.93% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $14.3B | $19.4B | $189.2M | $68.3M | record → |
| Shares and deposits | $11.2B | $15.6B | $167.8M | $58.3M | record → |
| Loans outstanding | $10.7B | $13.8B | $130.1M | $34.4M | record → |
| Net income (year to date) | $34.1M | $90.4M | $776.9k | $222.2k | record → |
| Net worth | $1.2B | $1.9B | $23.7M | $9.0M | record → |
| Net worth ratio | 8.93% | 10.72% | 11.17% | 12.65% | record → |
| Loan-to-share ratio | 96.00% | 88.75% | 74.14% | 68.70% | computed |
| Return on assets | 0.48% | 0.87% | 0.60% | 0.71% | computed |
| Members | 1,024,058 | 958,216 | 13,919 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $14.3B | $11.2B | $10.7B | $34.1M | 8.93% | 1,024,058 | 18 |
| 2026Q1 | $13.8B | $11.3B | $10.4B | $14.2M | 8.86% | 1,058,604 | 18 |
| 2025Q4 | $13.7B | $11.1B | $10.2B | $56.3M | 8.81% | 1,047,447 | 17 |
| 2025Q3 | $13.9B | $11.1B | $10.2B | $41.1M | 8.73% | 1,037,027 | 16 |
| 2025Q2 | $14.0B | $11.0B | $10.0B | $20.1M | 8.53% | 1,024,502 | 15 |
| 2025Q1 | $14.0B | $11.1B | $9.8B | $11.7M | 8.44% | 1,017,874 | 15 |
| 2024Q4 | $14.0B | $10.7B | $10.0B | $-83.8M | 8.39% | 1,006,733 | 14 |
| 2024Q3 | $14.7B | $10.8B | $10.1B | $16.4M | 8.95% | 997,469 | 13 |
| 2024Q2 | $14.8B | $10.8B | $10.1B | $14.3M | 9.14% | 984,565 | 13 |
| 2024Q1 | $14.8B | $10.8B | $9.9B | $8.2M | 9.28% | 977,357 | 13 |
| 2023Q4 | $13.6B | $10.0B | $9.5B | $24.6M | 9.16% | 926,588 | 13 |
| 2023Q3 | $13.4B | $10.4B | $9.5B | $14.9M | 9.27% | 915,857 | 13 |
| 2023Q2 | $13.7B | $10.6B | $9.6B | $7.6M | 9.11% | 901,612 | 13 |
| 2023Q1 | $13.8B | $10.9B | $9.7B | $3.2M | 9.18% | 889,301 | 13 |
| 2022Q4 | $13.7B | $10.6B | $9.5B | $73.3M | 9.43% | 866,032 | 13 |
| 2022Q3 | $13.2B | $10.7B | $9.0B | $58.1M | 9.69% | 847,497 | 13 |
| 2022Q2 | $13.0B | $11.0B | $8.7B | $36.4M | 9.87% | 829,287 | 13 |
| 2022Q1 | $12.4B | $11.2B | $8.3B | $18.2M | 10.15% | 822,455 | 13 |
| 2021Q4 | $11.7B | $10.5B | $8.0B | $107.1M | 8.57% | 806,534 | 14 |
| 2021Q3 | $11.4B | $10.3B | $7.7B | $87.4M | 8.71% | 793,169 | 13 |
| 2021Q2 | $11.0B | $9.9B | $7.5B | $54.4M | 8.73% | 778,348 | 14 |
| 2021Q1 | $10.7B | $9.7B | $7.4B | $29.1M | 8.80% | 764,701 | 14 |
| 2020Q4 | $10.0B | $8.9B | $7.4B | $73.4M | 8.52% | 748,302 | 16 |
| 2020Q3 | $9.8B | $8.5B | $7.3B | $60.3M | 8.55% | 735,734 | 17 |
| 2020Q2 | $9.5B | $8.2B | $7.1B | $36.6M | 8.57% | 721,138 | 18 |
| 2020Q1 | $9.4B | $7.4B | $6.8B | $20.9M | 8.54% | 710,222 | 16 |
| 2019Q4 | $9.1B | $7.0B | $6.6B | $59.0M | 8.55% | 696,759 | 16 |
| 2019Q3 | $9.0B | $6.8B | $6.3B | $48.2M | 8.64% | 681,436 | 16 |
| 2019Q2 | $8.7B | $6.5B | $6.0B | $33.0M | 8.63% | 667,325 | 17 |
| 2019Q1 | $8.6B | $6.4B | $5.8B | $19.4M | 8.57% | 657,740 | 17 |
| 2018Q4 | $8.3B | $6.0B | $5.7B | $80.4M | 8.70% | 643,809 | 16 |
| 2018Q3 | $8.1B | $5.9B | $5.5B | $64.2M | 8.74% | 630,535 | 17 |
| 2018Q2 | $7.7B | $5.8B | $5.4B | $41.0M | 8.84% | 616,454 | 18 |
| 2018Q1 | $7.6B | $5.7B | $5.2B | $22.3M | 8.75% | 605,085 | 17 |
| 2017Q4 | $7.3B | $5.4B | $5.1B | $60.8M | 8.77% | 591,209 | 17 |
| 2017Q3 | $6.9B | $5.4B | $4.9B | $42.6M | 8.98% | 581,177 | 19 |
| 2017Q2 | $6.9B | $5.4B | $4.8B | $27.0M | 8.81% | 567,452 | 17 |
| 2017Q1 | $6.8B | $5.3B | $4.6B | $14.0M | 8.73% | 553,884 | 18 |
| 2016Q4 | $6.6B | $5.0B | $4.5B | $50.2M | 8.84% | 545,155 | 18 |
| 2016Q3 | $6.5B | $5.0B | $4.3B | $35.0M | 8.67% | 536,069 | 17 |
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