VyStar Credit Union Jacksonville, Florida
VyStar Credit Union is a state-chartered credit union headquartered in Jacksonville, FL, established in 1952 (NCUA charter 68490), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,024,058 members and total assets of $14.27B (up 2.0% from Q2 2025), the 2nd largest of 106 credit unions headquartered in Florida. Its net worth ratio was 8.93% at Q2 2026, in the well capitalized band.
Also written as VyStar CU · Trade names filed with the NCUA: 121 Financial Credit Union, VyStar Title Agency LLC, VyStar Investment Services, VyStar Financial Group, LLC, VyStar and VyStar Insurance Agency, LLC.
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 68490
- Headquarters
- Jacksonville, FL
- Established
- 1952
- Total assets, Q2 2026
- $14.27B
- Assets vs Q2 2025
- +2.0%
- Members, Q2 2026
- 1,024,058
- Net worth ratio, Q2 2026
- 8.93%
- Latest call report
- Q2 2026, NCUA 5300 · VyStar Credit Union call report
- Asset rank in state
- 2nd of 106 in Florida
- Routing number
- 263079276
- Branches
- 99
It has 444 fewer members than on June 30, 2025. Its net worth ratio was up 0.40 percentage points from 8.53% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $4.85B of $10.73B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.25% is above the 0.91% median of the 24 credit unions with $10B to $100B in assets for Q2 2026. Its 8.93% net worth ratio is below that band's 10.42% median.
Credit unions merged into VyStar Credit Union
121 Financial Credit Union (2024) · First Coast Federal Credit Union (2023) · Anchor Seven Federal Credit Union (2016)
Frequently asked about VyStar Credit Union
How big is VyStar Credit Union?
At Q2 2026 it reported total assets of $14.27B and 1,024,058 members.
Where is VyStar Credit Union headquartered?
It is headquartered in Jacksonville, FL, United States.
When was VyStar Credit Union founded?
It was established in 1952, per NCUA records.
Is VyStar Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68490): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates VyStar Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is VyStar Credit Union well capitalized?
Its net worth ratio was 8.93% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is VyStar Credit Union's delinquency ratio?
Its delinquency ratio was 1.25% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is VyStar Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 96.00% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Jacksonville, FL 32210
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1952
- NCUA Charter #
- 68490
- RSSD ID
- 99189
- Members
- 1,024,058
- Potential members
- 19,907,480
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 24 credit unions with $10B to $100B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.55% to 11.84% | 8.93% | 10.42% | under 10th bottom |
| Return on assets Middle half of peers: 0.59% to 1.31% | 0.56% | 0.97% | 16th bottom |
| Return on equity Middle half of peers: 6.05% to 14.24% | 6.40% | 9.50% | 28th below |
| Net interest margin Middle half of peers: 2.90% to 3.44% | 3.34% | 3.17% | 65th above |
| Efficiency ratio Middle half of peers: 52.69% to 70.10% | 72.53% | 61.32% | 19th bottom |
| Cost of funds Middle half of peers: 1.69% to 2.02% | 1.62% | 1.88% | 84th top |
| Delinquency ratio Middle half of peers: 0.64% to 1.27% | 1.25% | 0.91% | 26th below |
| Yield on assets Middle half of peers: 4.90% to 5.36% | 4.96% | 5.07% | 35th position only |
| Loan-to-share ratio Middle half of peers: 81.23% to 93.33% | 96.00% | 89.87% | 80th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$14.27B total assets against $13.99B; $11.17B total shares and deposits against $11.05B; $10.73B total loans against $9.99B.
$1.24B net worth against $1.20B.
8.93% net worth ratio against 8.53%.
96.00% loan-to-share ratio against 90.43%.
1.25% delinquency ratio against 1.23%.
0.56% return on assets against 0.24%; 6.40% return on equity against 2.81%.
3.34% net interest margin against 3.25%.
1,024,058 members against 1,024,502.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 8.93% | 0.56% | 1.25% | 96.00% |
| March 31, 2026 | 8.86% | 0.41% | 1.22% | 91.98% |
| December 31, 2025 | 8.81% | 0.44% | 1.48% | 91.93% |
| September 30, 2025 | 8.73% | 0.60% | 1.40% | 92.39% |
| June 30, 2025 | 8.53% | 0.24% | 1.23% | 90.43% |
| March 31, 2025 | 8.44% | 0.33% | 0.74% | 88.96% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.