VyStar Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.4 on a scale of 0 to 10). Fair current capitalization (3.7 on a scale of 0 to 10) based on a net capital to total assets of 6.0 and a net worth ratio of 8.8.
Other Rating Factors:
Weak liquidity 2.3, driven by a liquidity ratio of 12.4 percent and a “hot money” ratio of 16.0 percent. Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.4 has resulted in Fair (3.9) profitability.
Asset Mix:
Consumer loans (28%), home mtgs (23%), comm loans (7%), other (42%)
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