Vystar
Vystar is a credit union based in Jacksonville, Florida, established in 1952, with $13.8 billion in total assets serving 1,058,604 members. By Trust Grade it ranks 105th of 107 credit unions we track in Florida. Its net worth ratio of 8.9% trails most similarly sized credit unions (9th percentile), versus a Florida median of 11.1%. It was profitable over the most recent period, with a 0.41% return on assets. Consumers filed 981 complaints about VYSTAR CREDIT UNION with the CFPB — 71.1 per $1B in assets, a higher rate than 94% of peers.
How Vystar compares to Florida peers
How we graded Vystar
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.9% capital ratio)
- Profitable (ROA 0.41%)
- 71.1 complaints per $1B in assets
The Trust Grade is Bankzia’s independent, documented opinion computed from public FDIC/NCUA/CFPB data — not an official rating, and not a statement about the safety of insured deposits. Report a data error or dispute this grade →
Consumer complaints (CFPB)
981 complaints filed with the CFPB against VYSTAR CREDIT UNION — 71.1 per $1B in assets.
These records were matched to Vystar by name and may include complaints filed against other institutions with similar names. Complaint counts reflect what consumers reported to the CFPB and are not findings of wrongdoing. Report a mismatch →
Are deposits at Vystar insured?
Yes. Vystar is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Vystar: frequently asked questions
Is Vystar a good credit union?
Vystar earns a Bankzia Trust Grade of C (73/100, "Average"), based on a financial-strength score of 82/100 and a customer-experience score of 47.230886850152906/100. Well-capitalized (8.9% capital ratio); Profitable (ROA 0.41%).
Is Vystar NCUA-insured?
Yes. Vystar is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Vystar?
Vystar holds $13.8 billion in total assets, ranking 105th of 107 credit unions we track in Florida. It serves 1,058,604 members.
How many complaints does Vystar have?
Consumers filed 981 complaints about VYSTAR CREDIT UNION with the CFPB, or 71.1 per $1B in assets. 100% were answered on time. 19% closed with relief to the consumer.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
