VYSTAR

Charter #68490 | FL

10B+ (21 CUs) Titans (21 CUs)
2 10B+ in FL

VYSTAR has 3 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 16.7% in tier
  • + 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
  • - Growth-at-Risk: 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
 43rd in tier
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
 Bottom 23.8% in tier
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
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
 67th in tier
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
 Top 19.0% in tier
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
 67th in tier
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
 57th in tier
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
 29th in tier
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
 67th in tier

Signature Analysis

Strengths (2)

Emerging Performer

growth
#6 of 10 • Top 16.7% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.39%
(Tier: 0.76%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 3.97%
(Tier: 3.59%, National: 9.37%)
better than tier avg
10 of 21 Titans CUs have this signature | 852 nationally
→ Stable (10→10 CUs)

Organic Growth Engine

growth
#15 of 18 • Top 25.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.97%
(Tier: 3.59%, National: 9.37%)
better than tier avg
Return on Assets: 0.39%
(Tier: 0.76%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 20.34%
(Tier: 14.25%, National: 7.90%)
but worse than tier avg
18 of 21 Titans CUs have this signature | 917 nationally
→ Stable (18→18 CUs) | Rank worsening

Concerns (5)

Credit Quality Pressure

risk
#2 of 15 • Bottom 2.0% in tier

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

Why This Signature
Delinquency Change (YoY): 0.42% points
(Tier: 0.10% points, National: 0.07% points)
worse than tier avg
15 of 21 Titans CUs have this signature | 1002 nationally
↓ Shrinking -6 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#3 of 4 • Bottom 10.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -1.71%
(Tier: 2.80%, National: 4.19%)
worse than tier avg
4 of 21 Titans CUs have this signature | 346 nationally
↓ Shrinking -9 CUs YoY

Growth-at-Risk

risk
#8 of 14 • Bottom 17.1% in tier

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

Why This Signature
Loan Growth (YoY): 1.61%
(Tier: 6.37%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.42% points
(Tier: 0.10% points, National: 0.07% points)
worse than tier avg
14 of 21 Titans CUs have this signature | 646 nationally
→ Stable (13→14 CUs) +1 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#8 of 8 • Bottom 28.0% in tier

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

Why This Signature
Asset Growth (YoY): -5.73%
(Tier: 4.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 20.34%
(Tier: 14.25%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 3.97%
(Tier: 3.59%, National: 9.37%)
but better than tier avg
8 of 21 Titans CUs have this signature | 768 nationally
→ Stable (8→8 CUs)

Liquidity Strain

risk
#10 of 11 • Bottom 28.1% in tier

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

Why This Signature
Loan-to-Share Ratio: 92.39%
(Tier: 89.80%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 1.61%
(Tier: 6.37%, National: 36.38%)
worse than tier avg
11 of 21 Titans CUs have this signature | 484 nationally
→ Stable (11→11 CUs)

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)

Comparing against 21 peers in tier

Top Strengths (1 metrics)

6
First Mortgage Concentration (%)
balance_sheet
Value: 32.13%
Peer Avg: 41.28%
#6 of 21 Top 23.8% in 10B+ tier

Top Weaknesses (11 metrics)

20
Asset Growth Rate
growth
Value: -5.73%
Peer Avg: 4.36%
#20 of 21 Bottom 9.5% in 10B+ tier
20
Net Worth Ratio
risk
Value: 8.73%
Peer Avg: 10.22%
#20 of 21 Bottom 9.5% in 10B+ tier
19
AMR Growth Rate
growth
Value: -1.71%
Peer Avg: 2.80%
#19 of 21 Bottom 14.3% in 10B+ tier
19
Total Loans
balance_sheet
Value: $10.22B
Peer Avg: $21.09B
#19 of 21 Bottom 14.3% in 10B+ tier
18
Return on Assets (ROA)
profitability
Value: 0.39%
Peer Avg: 0.76%
#18 of 21 Bottom 19.0% in 10B+ tier
18
Efficiency Ratio
profitability
Value: 77.28%
Peer Avg: 64.29%
#18 of 21 Bottom 19.0% in 10B+ tier
18
Loan Growth Rate
growth
Value: 1.61%
Peer Avg: 6.37%
#18 of 21 Bottom 19.0% in 10B+ tier
18
Average Member Relationship (AMR)
engagement
Value: $20,528
Peer Avg: $31,184
#18 of 21 Bottom 19.0% in 10B+ tier
18
Loan-to-Member Ratio (LMR)
engagement
Value: $9,858
Peer Avg: $14,676
#18 of 21 Bottom 19.0% in 10B+ tier
18
Total Deposits
balance_sheet
Value: $11.07B
Peer Avg: $24.43B
#18 of 21 Bottom 19.0% in 10B+ tier