Credit Union Safety Analysis
Is VyStar Credit Union Safe? Jacksonville, Florida
Based on its Q2 2026 NCUA 5300 call report, VyStar Credit Union has a net worth ratio of 8.93%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.25%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, VyStar Credit Union's net worth ratio is 8.93%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 8.93%
- Delinquency ratio (60+ days) (Q2 2026): 1.25%
- Return on assets (Q2 2026): 0.56%
- Loan-to-share ratio (Q2 2026): 96.00%
VyStar Credit Union (NCUA charter 68490, established 1952) reported $14.27B in assets and 1,024,058 members for Q2 2026 from Jacksonville, Florida. It ranks 2 of 106 credit unions in Florida by total assets. Total assets grew 2.0% from $13.99B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 24 credit unions with $10B to $100B in assets: 10.42%; middle half of peers: 9.55% to 11.84%.
Earlier filings: 8.86% for Q1 2026; 8.53% for Q2 2025.
Median of the 24 credit unions with $10B to $100B in assets: 0.91%; middle half of peers: 0.64% to 1.27%.
Earlier filings: 1.22% for Q1 2026; 1.23% for Q2 2025.
Median of the 24 credit unions with $10B to $100B in assets: 0.97%; middle half of peers: 0.59% to 1.31%.
Earlier filings: 0.41% for Q1 2026; 0.24% for Q2 2025.
Median of the 24 credit unions with $10B to $100B in assets: 89.87%; middle half of peers: 81.23% to 93.33%.
Earlier filings: 91.98% for Q1 2026; 90.43% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $4.85B
- Used vehicle loans: $1.46B
- Other secured non-real estate loans and lines of credit: $1.27B
- New vehicle loans: $1.12B
- Commercial loans: $1.01B
- Unsecured credit card loans: $654.2M
- Other unsecured loans and lines of credit: $356.5M
- Non-federally guaranteed student loans: $53K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $14.27B | 8.93% | 1.25% | 0.56% | 96.00% |
| March 31, 2026 | $13.80B | 8.86% | 1.22% | 0.41% | 91.98% |
| December 31, 2025 | $13.72B | 8.81% | 1.48% | 0.44% | 91.93% |
| September 30, 2025 | $13.90B | 8.73% | 1.40% | 0.60% | 92.39% |
| June 30, 2025 | $13.99B | 8.53% | 1.23% | 0.24% | 90.43% |
| March 31, 2025 | $14.04B | 8.44% | 0.74% | 0.33% | 88.96% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 68490) · FFIEC NIC profile (RSSD 99189)
Frequently asked questions
Is VyStar Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, VyStar Credit Union's net worth ratio is 8.93%, above the 7% NCUA threshold for well capitalized.
Is VyStar Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. VyStar Credit Union is a federally insured credit union (NCUA charter 68490): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are VyStar Credit Union's key safety ratios?
For Q2 2026, VyStar Credit Union reports net worth 8.93%, delinquency 1.25%, ROA 0.56%, loan-to-share 96.00%.
What happens to my money if VyStar Credit Union fails?
For Q2 2026, VyStar Credit Union held $11.17B in shares and deposits for 1,024,058 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.