Charter 68490 · Jacksonville, FL
VyStar Credit Union
VyStar Credit Union is a state-chartered credit union in Jacksonville, Florida, with $14.3 billion in assets and 1,024,058 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 8.93%, above the 7% that NCUA's rules treat as well capitalized.
Also does business as VyStar Title Agency LLC, VyStar Investment Services, VyStar Financial Group, LLC, VyStar Insurance Agency, LLC., 121 Financial Credit Union.
- Total assets
- $14.3 billion
- +2.0% in a year
- Members
- 1,024,058
- -0.0% in a year
- Net worth ratio
- 8.93%
- Peer median 10.79%
- Loans 60+ days late
- 1.25%
- Peer median 0.67%
- Loans outstanding
- $10.7 billion
- +7.4% in a year
- Shares and deposits
- $11.2 billion
- +1.1% in a year
- Branches
- 98
- 2,235 employees
- Opened
- 1952
- Florida charter
How VyStar Credit Union compares
NCUA groups credit unions by size; VyStar Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 8.93% is lower than that group's median of 10.79%, and its share of loans 60 or more days past due, 1.25%, is higher than the group median of 0.67%. Loans grew 7.4% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 2 of 107 credit unions headquartered in Florida. See all Florida credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $14.3 billion | 1,024,058 | $10.7 billion | 8.93% | 1.25% |
| Q1 2026 | $13.8 billion | 1,058,604 | $10.4 billion | 8.86% | 1.22% |
| Q4 2025 | $13.7 billion | 1,047,447 | $10.2 billion | 8.81% | 1.48% |
| Q3 2025 | $13.9 billion | 1,037,027 | $10.2 billion | 8.73% | 1.40% |
| Q2 2025 | $14.0 billion | 1,024,502 | $9.99 billion | 8.53% | 1.23% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 20 million potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 99 sites for VyStar Credit Union; the first 40 are below. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- 108-103rd Street
7795 103Rd St, Jacksonville, FL 32210 - 112-Arlington
7802 Atlantic Blvd, Jacksonville, FL 32211 - 401-Bartram Bear High School
7399 Longleaf Pine Pkwy, Jacksonville, FL 32259 - 122-Beaches & 295E
11674 Beach Blvd, Jacksonville, FL 32246 - 120-Downtown
76 S Laura St, Jacksonville, FL 32202 - 115-Eagle Harbor
1755 Eagle Harbor Pkwy, Orange Park, FL 32003 - 117-Fernandina Beach
1900 S 14Th St, Fernandina Beach, FL 32034 - 403-Fleming Island High School
2233 Village Square Pkwy Rm 66, Orange Park, FL 32003 - 129-Gainesville
3616 Sw 34Th St, Gainesville, FL 32608 - 130-Green Cove Springs
601 N Orange Ave, Green Cove Springs, FL 32043 - 124-Julington Creek
101 Bartram Oaks Walk, Jacksonville, FL 32259 - 121-Kernan
1802 Kernan Blvd S, Jacksonville, FL 32246 - 134-Lake City
411 Nw Commons Loop, Lake City, FL 32055 - 118-Macclenny
1168 S 6Th St, Macclenny, FL 32063 - 110-Mandarin
11343 San Jose Blvd, Jacksonville, FL 32223 - 123-Normandy
7765 Normandy Blvd, Jacksonville, FL 32221 - 114-Northside
1831 Dunn Ave, Jacksonville, FL 32218 - 126-Oakleaf
8425 Merchants Way, Jacksonville, FL 32222 - 105-Orange Park
182 Blanding Blvd, Orange Park, FL 32073 - 109-Orange Park Drive Thru
180 Arora Blvd, Orange Park, FL 32073 - 125-Palatka
510 S State Road 19, Palatka, FL 32177 - 127-Palm Coast
305 Palm Coast Pkwy Sw, Palm Coast, FL 32137 - 402-Pedro Menendez High School
600 State Road 206 W Rm 422, St Augustine, FL 32086 - 111-Regency Commons
686 Commerce Center Dr, Jacksonville, FL 32225 - 103-Roosevelt
4420 Wabash Ave, Jacksonville, FL 32210 - 119-St Augustine
165 State Road 312 W, St Augustine, FL 32086 - 107-Southside
8263 Philips Hwy, Jacksonville, FL 32256 - 131-Starke
1450 S Walnut St, Starke, FL 32091 - 135-Callahan
542277 Us Highway 1, Callahan, FL 32011 - 101-NAS JAX
6801 Roosevelt Blvd, Jacksonville, FL 32212 - 145-Murabella
849 Verona Way, St Augustine, FL 32092 - 138-CR210
1955 County Road 210 W, Saint Johns, FL 32259 - 404-Wolfson High School
7000 Powers Ave, Jacksonville, FL 32217 - 140-Baymeadows & 295E
10903 Baymeadows Rd, Jacksonville, FL 32256 - 144-Riverside
760 Riverside Ave, Jacksonville, FL 32204 - 141-Chaffee Pointe
560 Chaffee Point Blvd, Jacksonville, FL 32221 - 143-Ponte Vedra
212 Ponte Vedra Park Dr, Ponte Vedra Beach, FL 32082 - 408-Palatka High School
302 Mellon Rd, Palatka, FL 32177 - 407-Matanzas High School
3535 Old Kings Rd N, Palm Coast, FL 32137 - 147-Nocatee
100 Village Lake Dr, Ponte Vedra Beach, FL 32081
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology