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National Credit Union Service Organization

VYSTAR CREDIT UNION

Mar, 31, 2022 — VYSTAR CREDIT UNION is a federally insured state chartered credit union headquartered in JACKSONVILLE, FL with 84 branch locations and about $12.39 billion in total assets. Opened 70 years ago in 1952, VYSTAR CREDIT UNION has about 822,455 members and employs 2,162 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


ABA Routing Number: 263079276
Name:VYSTAR CREDIT UNION
Address:
(Main Office)
76 S Laura St
JACKSONVILLE, FL 32202-3433
Phone:(904) 777-6000
Fax:
Website:http://www.vystarcu.org
Branches:84 branch locations
Members:822,455
Credit Union Type:Federally Insured State Chartered Credit Union
Charter Number:68490
Membership Type:State chartered natural person
Corporate Credit Union:No
Year Opened:1952
Last Audited:Dec 01, 2021
FHLB Member:Yes
Low Income Designation:No
Assets:$12,394,489,962
CEO/Manager:Brian E Wolfburg
Chairperson:Phillip (Kem) K Siddons

Call Report

  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 802,244,193
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 4,072,275,059
 Unsecured Loans 812,711,260
 Other Loans 3,384,900,908
 TOTAL LOANS 8,285,835,525
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -51,324,610
 Land And Building 286,375,236
 Other Fixed Assets 99,819,231
 NCUSIF Deposit 92,019,312
 All Other Assets 1,094,495
  TOTAL ASSETS 12,394,489,962
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 72,688,349
 Accounts Payable & Other Liabilities 95,963,821
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 200,000,000
 Share Drafts 2,620,992,557
 Regular shares 3,455,785,906
 All Other Shares & Deposits 5,097,420,704
  TOTAL SHARES & DEPOSITS 11,174,199,167
  TOTAL LIABILITIES 11,542,851,337
 Regular Reserve 0
 Other Reserves -30,340,342
 Undivided Earnings 881,978,967
  TOTAL EQUITY 851,638,625
  TOTAL LIABILITIES, SHARES, & EQUITY 12,394,489,962
INCOME & EXPENSE  
 Loan Income 83,353,185
 Investment Income 7,770,168
 Other Income 9,757,950
 Total Employee Compensation & Benefits 50,339,948
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 52,577,037
 Non-operating Income & (Expense) 64,675
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 2,171,929
 Cost of Funds 11,304,550
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 18,219,847
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