BlastPoint's Credit Union Scorecard

VYSTAR

Charter #68490 · FL

Titans 10B+

VyStar at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

VyStar is one of 101 credit unions in the 2026 VentureTech card set. We also found VyStar's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

VyStar

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VYSTAR
PEER · AT VENTURETECH
PEER · AT VENTURETECH
VYSTAR'S BIGGEST OPPORTUNITY

25 CUs in 10B+ nationally 2 in FL

View Titans leaderboard →

VYSTAR has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

Titans Tier

What's your peer group doing?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.10% above tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 24.0% in tier
- Credit Risk Growth: Bottom 48.0% in tier
- Credit Quality Pressure: Bottom 72.0% in tier
- Indirect Auto Dependency: Bottom 84.0% in tier
- ROA 0.54% below tier average
- Efficiency ratio 11.01% above tier (higher cost structure)
- Delinquency rate 0.23% above tier average
- Net Worth Ratio: Bottom 8.0% in tier

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	1,024,058 -0.0% YoY-3.3% QoQ	-647.9K	1,671,910 -4.2% YoY	74,629 +8.2% YoY	34,678 +6.6% YoY	52%
Assets	$14.3B +2.0% YoY+3.4% QoQ	$-13.4B	$27.7B +0.2% YoY	$1.2B +11.8% YoY	$593.1M +10.2% YoY	28%
Loans	$10.7B +7.4% YoY+3.1% QoQ	$-9.3B	$20.0B -0.9% YoY	$865.0M +13.2% YoY	$418.6M +10.1% YoY	28%
Deposits	$11.2B +1.1% YoY-1.2% QoQ	$-12.4B	$23.5B +0.4% YoY	$1.0B +12.3% YoY	$504.8M +10.3% YoY	24%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.5% +69.3% YoY+17.9% QoQ	-0.5%	1.0% +45.0% YoY	0.7% +7.2% YoY	1.2% +121.4% YoY	Bottom 12.0% in tier
NIM	3.3% +5.7% YoY-0.3% QoQ	+0.1%	3.2% +5.4% YoY	3.6% +3.4% YoY	3.8% +2.3% YoY	56%
Efficiency Ratio	72.6% -8.2% YoY-0.1% QoQ	+11.0%	61.6% -6.2% YoY	79.7% +3.1% YoY	83.0% -5.3% YoY	76%
Delinquency Rate	1.2% +1.3% YoY+2.2% QoQ	+0.2	1.0% -2.7% YoY	0.7% +5.6% YoY	1.3% +2.6% YoY	64%
Loan To Share	96.0% +6.2% YoY+4.4% QoQ	+8.5%	87.5% -3.0% YoY	70.8% +0.7% YoY	66.4% -1.4% YoY	76%
AMR	$21,385 +4.1% YoY+4.3% QoQ	$-11K	$32,850 +5.7% YoY	$23,115 +4.1% YoY	$20,028 -0.9% YoY	Bottom 8.0% in tier
CD Concentration	27.1% +3.5% YoY-1.9% QoQ	-3.1%	30.2%	24.7%	20.0%	32%
Indirect Auto %	18.4% -12.2% YoY-2.9% QoQ	+3.4%	15.0%	10.8%	7.7%	64%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Liquidity Strain

risk

#5 of 12 • Bottom 24.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 96.00%

(Tier: 87.50%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 7.36%

(Tier: 12.76%, National: 78.26%)

worse than tier avg

12 of 25 Titans CUs have this signature | 432 nationally

→ Stable (12→12 CUs) | Rank improving

Credit Risk Growth

risk

#14 of 18 • Bottom 48.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 7.36%

(Tier: 12.76%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.02% points

(Tier: 0.08% points, National: 0.08% points)

but better than tier avg

18 of 25 Titans CUs have this signature | 688 nationally

→ Stable (14→18 CUs) +4 CUs YoY | New qualifier

Credit Quality Pressure

risk

#18 of 21 • Bottom 72.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.02% points

(Tier: 0.08% points, National: 0.08% points)

but better than tier avg

21 of 25 Titans CUs have this signature | 962 nationally

→ Stable (16→21 CUs) +5 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#9 of 10 • Bottom 84.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 2.05%

(Tier: 14.31%, National: 3.30%)

worse than tier avg

Indirect Auto %: 18.42%

(Tier: 14.97%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -0.04%

(Tier: 7.74%, National: 15.67%)

worse than tier avg

10 of 25 Titans CUs have this signature | 714 nationally

→ Stable (9→10 CUs) +1 CUs YoY

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)

Compare against:

Comparing against 25 peers in tier

Top Strengths (1 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 96.00%

Peer Median: 88.75%

#6 of 25 Top 20.0% in 10B+ tier

Top Weaknesses (9 metrics)

Net Worth Ratio

risk

Value: 8.93%

Peer Median: 10.72%

#24 of 25 Bottom 8.0% in 10B+ tier

Deposit Growth Rate

growth

Value: 1.13%

Peer Median: 6.42%

#23 of 25 Bottom 12.0% in 10B+ tier

Average Member Relationship (AMR)

engagement

Value: $21,385

Peer Median: $30,737

#23 of 25 Bottom 12.0% in 10B+ tier

Return on Assets (ROA)

profitability

Value: 0.49%

Peer Median: 0.88%

#22 of 25 Bottom 16.0% in 10B+ tier

Loan-to-Member Ratio (LMR)

engagement

Value: $10,474

Peer Median: $13,189

#22 of 25 Bottom 16.0% in 10B+ tier

Asset Growth Rate

growth

Value: 2.05%

Peer Median: 6.70%

#21 of 25 Bottom 20.0% in 10B+ tier

Efficiency Ratio

profitability

Value: 72.58%

Peer Median: 61.07%

#20 of 25 Bottom 24.0% in 10B+ tier

Member Growth Rate

growth

Value: -0.04%

Peer Median: 4.14%

#20 of 25 Bottom 24.0% in 10B+ tier

Net Charge-Off Rate

risk

Value: 1.05%

Peer Median: 0.75%

#20 of 25 Bottom 24.0% in 10B+ tier