BlastPoint's Credit Union Scorecard
VYSTAR
Charter #68490 · FL
VYSTAR has 1 strength but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.16% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 8.3% in tier
- - Liquidity Strain: Bottom 33.3% in tier
- - Credit Risk Growth: Bottom 66.7% in tier
- - Indirect Auto Dependency: Bottom 95.8% in tier
- - ROA 0.48% below tier average
- - Efficiency ratio 8.75% above tier (higher cost structure)
- - Delinquency rate 0.31% above tier average
- - Asset Growth Rate: Bottom 8.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,058,604
+4.0% YoY+1.1% QoQ
|
-654.0K |
1,712,610
-8.0% YoY
|
74,034
+8.9% YoY
|
33,913
+5.7% YoY
|
50% |
| Assets |
$13.8B
-1.7% YoY+0.6% QoQ
|
$-14.4B |
$28.2B
-3.2% YoY
|
$1.2B
+11.7% YoY
|
$578.3M
+9.0% YoY
|
25% |
| Loans |
$10.4B
+5.6% YoY+1.9% QoQ
|
$-9.8B |
$20.2B
-4.4% YoY
|
$841.5M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
21% |
| Deposits |
$11.3B
+2.1% YoY+1.9% QoQ
|
$-12.8B |
$24.1B
-2.9% YoY
|
$1.0B
+12.4% YoY
|
$494.3M
+9.1% YoY
|
25% |
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| ROA |
0.4%
+23.3% YoY+1.2% QoQ
|
-0.5% |
0.9%
+31.5% YoY
|
0.6%
-11.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 4.2% in tier |
| NIM |
3.4%
+8.5% YoY+1.4% QoQ
|
+0.2% |
3.2%
+4.6% YoY
|
3.6%
+2.7% YoY
|
3.8%
+4.1% YoY
|
62% |
| Efficiency Ratio |
72.6%
-6.8% YoY-5.5% QoQ
|
+8.7% |
63.9%
-3.7% YoY
|
80.0%
+2.7% YoY
|
84.6%
+2.8% YoY
|
75% |
| Delinquency Rate |
1.2%
+64.5% YoY-17.6% QoQ
|
+0.3 |
0.9%
-6.9% YoY
|
0.6%
+6.2% YoY
|
1.2%
+3.4% YoY
|
62% |
| Loan To Share |
92.0%
+3.4% YoY+0.1% QoQ
|
+6.0% |
86.0%
-3.3% YoY
|
70.1%
+1.4% YoY
|
65.6%
-1.4% YoY
|
67% |
| AMR |
$20,506
-0.2% YoY+0.8% QoQ
|
$-12K |
$32,099
+9.5% YoY
|
$23,044
+4.5% YoY
|
$19,920
+1.6% YoY
|
Bottom 4.2% in tier |
| CD Concentration |
27.6%
+10.0% YoY-0.8% QoQ
|
-2.6% | 30.2% | 24.4% | 19.8% | 33% |
| Indirect Auto % |
19.0%
-10.4% YoY-4.0% QoQ
|
+4.0% | 14.9% | 10.8% | 7.7% | 67% |
Signature Analysis
Strengths (0)
Concerns (4)
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.
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)