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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: March 31, 2022.
Charter Number: 68490

ASSETS$ Amount
CASH:  
 1. Cash on Hand 137,991,956
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 664,252,237
 3. Cash Equivalents (Investments with Original Maturities of Three Months or Less) 0
INVESTMENTS:  
 4. Equity Securities 2,699,420
 5. Trading Debut Securities 0
 6. Available-for-Sale Debt Securities 2,658,405,061
 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 0
 13. All other investments 0
 14. TOTAL INVESTMENTS 0
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 0
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 8,285,835,525
 17. Less: Allowance for Loan & Lease Losses 51,324,610
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 1,094,495
 20. Land and Building 286,375,236
 21. Other Fixed Assets 99,819,231
 22. NCUA Share Insurance Capitalization Deposit 92,019,312
 23. Intangible Assets 0
 24. Other Assets 0
25. TOTAL ASSETS 12,394,489,962
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 72,688,349
 2. Other Notes, Promissory Notes and Interest Payable 0
 3. Borrowing Repurchase Transactions 0
 4. Subordinated Debt 200,000,000
 5. Subordinated Debt included in Net Worth 200,000,000
 6. TOTALS 272,688,349
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 0
 9. Accounts Payable and Other Liabilities 95,963,821
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 2,620,992,557
 12. Regular Shares 3,455,785,906
 13. Money Market Shares 2,941,029,490
 14. Share Certificates 1,554,319,070
 15. IRA/KEOGH Accounts 483,212,924
 16. All Other Shares 47,308,448
 17. TOTAL SHARES 11,102,648,395
 18. Nonmember Deposits 71,550,772
 19. TOTAL SHARES AND DEPOSITS 11,174,199,167
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 0
 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) 848,948,831
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 206,654,619
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 0
 31. Dollar Amount of Commercial Share Accounts 878,135,844
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 2,382,718
EQUITY:  
 33. Undivided Earnings 881,978,967
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 96,605,882
 37. Equity Acquired in Merger 74,117
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -127,020,341
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 12,394,489,962
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 83,353,185
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 7,770,168
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 91,123,353
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 4,079,887
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 5,717,059
 8. Interest on Borrowed Money 1,507,604
 9. TOTAL INTEREST EXPENSE 11,304,550
 10. Provision for Loan & Lease Losses 2,171,929
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 0
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 9,757,950
 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 -87,016
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) 151,691
 21. TOTAL NON-INTEREST INCOME 43,489,958
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 50,339,948
 23. Travel and Conference Expense 360,562
 24. Office Occupancy Expense 10,216,031
 25. Office Operations Expense 29,766,656
 26. Educational and Promotional Expenses 4,086,750
 27. Loan Servicing Expense 1,914,430
 28. Professional and Outside Services 3,550,447
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 232,404
 31. Miscellaneous Operating Expenses 2,449,757
 32. TOTAL NON-INTEREST EXPENSE 102,916,985
33. NET INCOME (LOSS) 18,219,847
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 Loans9.50184,762$547,512,783
 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 loans12.4372,895$265,198,477
 5. New Vehicle Loans3.8250,164$1,185,967,215
 6. Used Vehicle Loans5.0369,136$1,170,519,823
 7. Leases Receivable0.000$0
 8. All Other Secured Non-Real Estate Loans/Lines of Credit6.0337,030$993,867,773
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property3.2424,480$3,195,224,328
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property4.666,851$211,876,213
 11. All Other Real Estate Loans/Lines of Credit2.2771$15,948,298
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured3.67760$665,174,518
 13. Commercial Loans/Lines of Credit Not Real Estate Secured4.12531$34,546,097
 14. TOTAL LOANS & LEASES446,680$8,285,835,525
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date18,027$720,125,987
  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 Staff27$5,255,359
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration752$20,009,204$20,009,204
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)752$20,009,204-
  b. Other Government Guaranteed60$139,113$139,113
 19. Commercial Loans  
  a. Small Business Administration0$0$0
  b. Other Government Guaranteed1$6,979,610$6,979,610