Sep, 30, 2025 — VYSTAR CREDIT UNION is a federally insured state chartered credit union headquartered in JACKSONVILLE, FL with 98 branch locations and about $13.90 billion in total assets. Opened 74 years ago in 1952, VYSTAR CREDIT UNION has more than 1.0 million members and employs 2,299 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | VYSTAR CREDIT UNION |
|---|---|
| Address: (Main Office) | 76 S Laura St JACKSONVILLE, FL 32202-3433 |
| Phone: | (904) 777-6000 |
| Fax: | |
| Website: | https://www.vystarcu.org |
| Branches: | 98 branch locations |
| Members: | 1,037,027 |
| 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, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $13,900,840,817 |
| CEO/Manager: | Brian E Wolfburg |
| Chairperson: | Phillip (Kem) K Siddons |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 763,806,506 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 5,088,577,661 |
| Unsecured Loans | 1,009,173,840 |
| Other Loans | 4,111,889,720 |
| TOTAL LOANS | 10,223,313,183 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -154,977,155 |
| Land And Building | 429,734,175 |
| Other Fixed Assets | 100,201,166 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 99,918,613 |
| All Other Assets | 5,590,983 |
| TOTAL ASSETS | 13,900,840,817 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 1,589,144,551 |
| Accounts Payable & Other Liabilities | 232,195,591 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 200,000,000 |
| Share Drafts | 2,555,045,795 |
| Regular shares | 2,842,341,155 |
| All Other Shares & Deposits | 5,667,727,294 |
| TOTAL SHARES & DEPOSITS | 11,065,114,244 |
| TOTAL LIABILITIES | 13,088,355,631 |
| Regular Reserve | 0 |
| Other Reserves | -38,846,426 |
| Undivided Earnings | 851,331,612 |
| TOTAL EQUITY | 812,485,186 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 13,900,840,817 |
| INCOME & EXPENSE | |
| Loan Income | 447,473,573 |
| Investment Income | 76,876,228 |
| Other Income | 46,892,593 |
| Total Employee Compensation & Benefits | 189,888,061 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 181,996,459 |
| Non-operating Income & (Expense) | -3,501,457 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 68,200,648 |
| Cost of Funds | 185,030,403 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 41,110,669 |
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