VyStar Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.2 has resulted in Very Weak (1.0) profitability. Fair current capitalization (3.3 on a scale of 0 to 10) based on a net capital to total assets of 5.6 and a net worth ratio of 9.1.
Other Rating Factors:
Weak liquidity 2.3, driven by a liquidity ratio of 15.3 percent and a “hot money” ratio of 13.0 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.6 on a scale of 0 to 10).
Asset Mix:
Consumer loans (29%), home mtgs (23%), other (48%)
Corporate Info
76 South Laura Street
Jacksonville, FL 32202
Jacksonville, FL 32202
(904) 777-6000
Largest Competitors
Jacksonville, FL
Jacksonville, FL
Jacksonville, FL
Jacksonville, FL
Jacksonville, FL