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 Fair overall stability index (4.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.2 has resulted in Fair (3.5) profitability.
Other Rating Factors:
A current level of 9.9 percent of nonperforming loans to core capital combined with 7.1 percent from a year earlier contributes to the Good asset quality (6.6). Fair current capitalization (3.1 on a scale of 0 to 10) based on a net capital to total assets of 5.4 and a net worth ratio of 8.7.
Asset Mix:
Consumer loans (28%), home mtgs (22%), other (50%)
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