BlastPoint's Credit Union Scorecard
VYSTAR
Charter #68490 · FL
VYSTAR has 1 strength but faces 8 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
- + 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
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 25 credit unions with $10B+ in assets nationally, and 1 of 2 that size in Florida.
- Shares and deposits +1.1% year over year ($11.2B in shares and deposits).
- Membership: 1,024,058 members, -0.0% vs a year ago.
- Delinquency rate 1.25%.
- Return on assets 0.49%.
- Efficiency ratio 72.58% vs a 61.57% peer average.
- Loan-to-share ratio 96.00% vs a 87.50% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
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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| 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)
Concerns (4)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)