VyStar Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.2 has resulted in Fair (3.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.8 on a scale of 0 to 10).
Other Rating Factors:
A current level of 10.2 percent of nonperforming loans to core capital combined with 10.2 percent from a year earlier contributes to the Good asset quality (6.7). Fair current capitalization (3.2 on a scale of 0 to 10) based on a net capital to total assets of 5.5 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (28%), home mtgs (22%), other (51%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
76 South Laura Street
Jacksonville, FL 32202
Jacksonville, FL 32202
Phone Number
(904) 777-6000
NCUA Charter Number
Website
Largest Competitors
Jacksonville, FL
Jacksonville, FL
Jacksonville, FL
Jacksonville, FL
Jacksonville, FL