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National Credit Union Service Organization

VYSTAR CREDIT UNION

Sep, 30, 2022 — VYSTAR CREDIT UNION is a federally insured state chartered credit union headquartered in JACKSONVILLE, FL with 87 branch locations and about $13.23 billion in total assets. Opened 71 years ago in 1952, VYSTAR CREDIT UNION has about 847,497 members and employs 2,288 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:https://www.vystarcu.org
Branches:87 branch locations
Members:847,497
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:$13,229,701,340
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 386,776,694
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 4,212,873,589
 Unsecured Loans 884,712,455
 Other Loans 3,922,329,604
 TOTAL LOANS 9,029,580,614
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -47,344,834
 Land And Building 299,436,866
 Other Fixed Assets 137,789,786
 NCUSIF Deposit 96,792,108
 All Other Assets 960,645
  TOTAL ASSETS 13,229,701,340
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 1,469,270,219
 Accounts Payable & Other Liabilities 99,655,800
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 200,000,000
 Share Drafts 2,524,064,396
 Regular shares 3,357,084,307
 All Other Shares & Deposits 4,864,672,809
  TOTAL SHARES & DEPOSITS 10,745,821,512
  TOTAL LIABILITIES 12,514,747,531
 Regular Reserve 0
 Other Reserves -206,914,266
 Undivided Earnings 921,868,075
  TOTAL EQUITY 714,953,809
  TOTAL LIABILITIES, SHARES, & EQUITY 13,229,701,340
INCOME & EXPENSE  
 Loan Income 268,621,240
 Investment Income 56,032,717
 Other Income 30,151,016
 Total Employee Compensation & Benefits 156,794,106
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 166,385,046
 Non-operating Income & (Expense) 5,171,769
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 11,273,971
 Cost of Funds 62,185,209
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 58,108,954
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