VYSTAR
State-Chartered • Jacksonville, Florida • Est. 1952
Quick Facts
- Charter Number
- #68490
- Type
- State-Chartered
- Established
- 1952
- Headquarters
- Jacksonville, Florida 32202-3433
- Address
- 76 S Laura St
- Branches
- 100
- ATMs
- 81
- Members
- 1,047,447
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
1,047,447 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | VYSTAR |
|---|---|
| Total Assets | $13.7B |
| Members | 1,047,447 |
| Loans Outstanding | $10.2B |
| Shares & Deposits | $11.1B |
| Net Worth | $1.2B |
| Net Worth Ratio | 8.81% |
| Loan-to-Share Ratio | 91.9% |
| Delinquency Rate | 1.48% |
| Net Income | +$149,902,596 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
100 locations · 81 ATMs
108-103rd Street
7795 103rd St
Jacksonville, FL 32210
112-Arlington
7802 Atlantic Blvd
Jacksonville, FL 32211
401-Bartram Bear High School
7399 Longleaf Pine Pkwy
Jacksonville, FL 32259
122-Beaches & 295E
11674 Beach Blvd
Jacksonville, FL 32246
120-Downtown
76 S Laura St
Jacksonville, FL 32202
Who Can Join VYSTAR?
Membership Type: Community
Membership eligibility for VYSTAR may vary. Contact the credit union directly to confirm qualification requirements.
Contact VYSTAR directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Florida RankingsFrequently Asked Questions
Yes. VYSTAR is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, VYSTAR has 1,047,447 members and a potential membership field of 19,464,229 people.
VYSTAR's net worth ratio is 8.81% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 8.8%, VYSTAR meets this threshold.
VYSTAR operates 100 branch locations and has access to 81 ATMs. The main office is located at 76 S Laura St, Jacksonville, FL 32202-3433.
VYSTAR was established in 1952. It is a state-chartered credit union chartered under charter number 68490. The institution has been serving members for 74 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or VYSTAR. All financial data is for informational purposes only.