BlastPoint's Credit Union Scorecard
VYSTAR
Charter #68490 · FL
VYSTAR has 2 strengths but faces 10 concerns
How does the industry compare?
What's your peer group doing?
How does FL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 25.9% in tier
- + Net Interest Margin 0.14% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 2.0% in tier
- - Shrinking Wallet Share: Bottom 10.0% in tier
- - Credit Risk Growth: Bottom 17.1% in tier
- - Indirect Auto Dependency: Bottom 28.0% in tier
- - Liquidity Strain: Bottom 28.1% in tier
- - ROA 0.37% below tier average
- - Efficiency ratio 13.00% above tier (higher cost structure)
- - Delinquency rate 0.22% above tier average
- - Asset Growth Rate: Bottom 9.5% in tier
- - Net Worth Ratio: Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,037,027
+4.0% YoY+1.2% QoQ
|
-785.4K |
1,822,416
+4.1% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
43% |
| Assets |
$13.9B
-5.7% YoY-0.6% QoQ
|
$-14.8B |
$28.7B
+4.2% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
24% |
| Loans |
$10.2B
+1.6% YoY+2.3% QoQ
|
$-10.9B |
$21.1B
+5.8% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Bottom 9.5% in tier |
| Deposits |
$11.1B
+2.7% YoY+0.2% QoQ
|
$-13.4B |
$24.4B
+7.2% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 14.3% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.4%
+164.9% YoY+36.9% QoQ
|
-0.4% |
0.8%
+17.7% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 14.3% in tier |
| NIM |
3.2%
+12.7% YoY+2.3% QoQ
|
+0.1% |
3.1%
+10.6% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
67% |
| Efficiency Ratio |
77.3%
-6.7% YoY-2.3% QoQ
|
+13.0% |
64.3%
-4.3% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
81% |
| Delinquency Rate |
1.4%
+42.6% YoY+13.7% QoQ
|
+0.2 |
1.2%
+9.7% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
67% |
| Loan To Share |
92.4%
-1.1% YoY+2.2% QoQ
|
+2.6% |
89.8%
-0.3% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
57% |
| AMR |
$20,528
-1.7% YoY-0.0% QoQ
|
$-11K |
$31,184
+7.8% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 14.3% in tier |
| CD Concentration |
27.4%
+5.8% YoY+4.6% QoQ
|
-4.6% |
31.9%
+2.0% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
29% |
| Indirect Auto % |
20.3%
-7.0% YoY-3.1% QoQ
|
+6.1% |
14.2%
-8.9% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
67% |
Signature Analysis
Strengths (1)
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.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)