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National Credit Union Service Organization

VYSTAR CREDIT UNION
— Statement of Financial Condition

Then NCUA provides quarterly Call Reports using accounting and statistical information from each credit union. The Call Report includes Balance Sheet, Income Statement and more.

Statement of financial condition for VYSTAR CREDIT UNION as of: June 30, 2021.
Charter Number: 68490

ASSETS$ Amount
CASH:  
 1. Cash on Hand 118,485,067
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 754,218,124
 3. Cash Equivalents (Investments with Original Maturities of Three Months or Less) 0
INVESTMENTS:  
 4. Equity Securities 0
 5. Trading Debut Securities 0
 6. Available-for-Sale Debt Securities 2,084,322,610
 7. Held-to-Maturity Debt Securities 0
 8. Deposits in commercial banks, S&Ls, savings banks 0
 9. Loans to and investments in natural person credit unions 0
 10. Nonperpetual Capital Account 0
 11. Perpetual Contributed Capital 0
 12. All other investments in corporate credit unions 27,493
 13. All other investments 30,567,395
 14. TOTAL INVESTMENTS 2,114,917,498
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 0
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 7,474,842,343
 17. Less: Allowance for Loan & Lease Losses 58,348,526
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 832,939
 20. Land and Building 238,127,771
 21. Other Fixed Assets 116,353,925
 22. NCUA Share Insurance Capitalization Deposit 83,120,303
 23. Intangible Assets 28,739,834
 24. Other Assets 130,938,775
25. TOTAL ASSETS 11,002,228,053
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 77,640,180
 2. Other Notes, Promissory Notes and Interest Payable 0
 3. Borrowing Repurchase Transactions 0
 4. Subordinated Debt 0
 5. Subordinated Debt included in Net Worth 0
 6. TOTALS 77,640,180
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 0
 9. Accounts Payable and Other Liabilities 91,483,345
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 2,179,568,207
 12. Regular Shares 2,954,732,059
 13. Money Market Shares 2,472,025,897
 14. Share Certificates 1,680,026,653
 15. IRA/KEOGH Accounts 473,792,546
 16. All Other Shares 57,585,394
 17. TOTAL SHARES 9,817,730,756
 18. Nonmember Deposits 113,204,026
 19. TOTAL SHARES AND DEPOSITS 9,930,934,782
20. TOTAL LIABILITIES  
 21. Accounts Held by Member Public Units 0
 22. Accounts Held by Nonmember Public Units 0
 23. Employee Benefit Member Shares 0
 24. Employee Benefit Nonmember Shares 0
 25. 529 Plan Member Deposits 0
 26. Non-dollar denominated deposits 0
 27. Health Savings Account 12,563,362
 28. Dollar Amount of Share Certificates equal to or greater than $100,000 (Excluding brokered share certificates participated out by the broker in shares of less than $100,000) 997,662,139
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 194,270,630
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 741,475,721
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 1,642,348
EQUITY:  
 33. Undivided Earnings 811,106,873
 34. Regular Reserves 96,605,882
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 74,117
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -5,617,126
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 11,002,228,053
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 160,680,856
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 11,588,734
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 172,269,590
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 6,719,052
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 16,945,411
 8. Interest on Borrowed Money 2,342,074
 9. TOTAL INTEREST EXPENSE 26,006,537
 10. Provision for Loan & Lease Losses 13,239,796
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 133,023,257
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 15,366,517
 14. Other Operating Income (Includes unconsolidated CUSO Income and Gain (Loss) associated with the Hedged Item (NonInvestment Assets) in a Non-Trading, Fair Value (FV) Derivatives Hedge) 0
 15. Gain (Loss) on Equity Securities (DO NOT include Gain (Loss) on other securities) 0
 16. Gain (Loss) on Other Securities (DO NOT include Gain or Loss on Equity Securities) 0
 17. Gain (Loss) on Non-Trading Derivatives 0
 18. Gain (Loss) on Disposition of Fixed Assets -57,891
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 541,635
 21. TOTAL NON-INTEREST INCOME 101,708,575
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 90,085,301
 23. Travel and Conference Expense 508,490
 24. Office Occupancy Expense 16,990,431
 25. Office Operations Expense 52,382,500
 26. Educational and Promotional Expenses 4,747,918
 27. Loan Servicing Expense 3,281,213
 28. Professional and Outside Services 8,513,200
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 407,396
 31. Miscellaneous Operating Expenses 3,412,340
 32. TOTAL NON-INTEREST EXPENSE 180,328,789
33. NET INCOME (LOSS) 54,403,043
RESERVE TRANSFERS YEAR-TO-DATE FOR THE CYCLE  
 34. Transfer to Regular Reserves 0
Interest Rate# LoansAmount
Non-Commercial Loans/Lines of Credit
 1. Unsecured Credit Card Loans9.50175,311$466,203,071
 2. Payday Alternative Loans (PALs I and PALs II)0.000$0
 3. Non-Federally Guaranteed Student Loans0.000$0
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans12.3676,979$346,239,409
 5. New Vehicle Loans3.7454,800$1,247,884,451
 6. Used Vehicle Loans4.9867,424$1,070,664,278
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit6.2621,586$484,454,123
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property3.4424,802$3,015,363,609
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property4.471,805$70,136,448
 11. All Other Real Estate Loans/Lines of Credit2.385,331$154,874,039
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured4.02735$587,749,319
 13. Commercial Loans/Lines of Credit Not Real Estate Secured7.78345$31,273,596
 14. TOTAL LOANS & LEASES429,118$7,474,842,343
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date36,413$1,258,969,843
  a. Payday Alternative Loans (PALs I and PALs II) Granted Year-to-Date0$0
MISCELLANEOUS LOAN INFORMATIONNumberAmount
 16. Non-Federally Guaranteed Student Loans in Deferred Status0$0
 17. Loans Outstanding to Credit Union Officials and Senior Executive Staff24$4,853,525
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration3,127$93,540,706$93,540,706
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)3,127$93,540,706-
  b. Other Government Guaranteed87$192,947$192,947
 19. Commercial Loans  
  a. Small Business Administration1$330,600$247,950
  b. Other Government Guaranteed1$7,000,000$7,000,000