BlastPoint's Credit Union Scorecard
VYSTAR
Charter #68490 · FL
VYSTAR has 3 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 54.5% in tier
- + Organic Growth Engine: Top 87.5% in tier
- + Net Interest Margin 0.19% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 0.0% in tier
- - Credit Risk Growth: Bottom 61.5% in tier
- - Liquidity Strain: Bottom 81.8% in tier
- - Indirect Auto Dependency: Bottom 85.7% in tier
- - Shrinking Wallet Share: Bottom 100.0% in tier
- - ROA 0.32% below tier average
- - Efficiency ratio 12.25% above tier (higher cost structure)
- - Delinquency rate 0.29% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,047,447
+4.0% YoY+1.0% QoQ
|
-783.8K |
1,831,295
-0.2% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
43% |
| Assets |
$13.7B
-1.8% YoY-1.3% QoQ
|
$-15.4B |
$29.1B
+3.6% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
19% |
| Loans |
$10.2B
+2.4% YoY-0.2% QoQ
|
$-11.2B |
$21.4B
+2.0% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 9.5% in tier |
| Deposits |
$11.1B
+3.7% YoY+0.3% QoQ
|
$-13.8B |
$24.9B
+4.3% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 14.3% in tier |
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| ROA |
0.4%
-169.8% YoY+3.7% QoQ
|
-0.3% |
0.7%
+30.7% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 9.5% in tier |
| NIM |
3.3%
+10.1% YoY+2.1% QoQ
|
+0.2% |
3.1%
+7.9% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
67% |
| Efficiency Ratio |
76.8%
-9.1% YoY-0.6% QoQ
|
+12.2% |
64.6%
-4.0% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
81% |
| Delinquency Rate |
1.5%
+45.8% YoY+5.8% QoQ
|
+0.3 |
1.2%
+0.3% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
71% |
| Loan To Share |
91.9%
-1.3% YoY-0.5% QoQ
|
+2.8% |
89.1%
-2.0% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
57% |
| AMR |
$20,336
-0.9% YoY-0.9% QoQ
|
$-11K |
$31,580
+8.5% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
Bottom 9.5% in tier |
| CD Concentration |
27.8%
+11.4% YoY+1.7% QoQ
|
-3.6% | 31.4% | 24.1% | 19.8% | 29% |
| Indirect Auto % |
19.8%
-8.7% YoY-2.9% QoQ
|
+5.6% | 14.1% | 10.8% | 7.8% | 67% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)