Vystar Credit Union

Vystar Credit Union is headquartered in JACKSONVILLE and is the 2^nd largest credit union in the state of Florida. It is also the 19^st largest credit union in the nation. It was established in 1952 and as of December of 2011, it had grown to 1,004 employees and 405,916 members. Vystar Credit Union's savings rates are 17% higher than the national average, and it boasts a 5-star health rating.

Vystar Credit Union Routing Number: 263079276

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Data for Q4 2011

Institution Statistics VYSTAR NCUA # 68490 BankRate Report View Year Chartered 1952 Employees 1004 Primary Regulator Assets and Liabilities Assets $4.39 billion Loans $2.57 billion Deposits $3.51 billion Equity Capital $396.64 million Loan Loss Allowance $68.84 million Unbacked Noncurrent Loans $51.37 million Real Estate Owned $8.84 million Historic Data - December 2010 Assets $4.07 billion Equity Capital $365.43 million Loan Loss Allowance $61.38 million Unbacked Noncurrent Loans $61.49 million Real Estate Owned $4.34 million Profit Margin - Quarterly Net Interest Margin 5.34% Return on Assets 0.54% Return on Equity 6.02% Interest Income $176.34 million Non-Interest Income $60.20 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Vystar Credit Union had $60.2 million in non-current loans and owned real-estate with $465.48 million in equity and loan loss allowances on hand to cover it. This gives Vystar Credit Union a Texas Ratio of 12.93% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Vystar Credit Union decreased slightly from 15.42% as of December 31, 2010 to 12.93% as of December 31, 2011, resulting in a positive change of 16.15%.This indicates that the balance sheet and financial strength for Vystar Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Vystar Credit Union has increased its total deposits by $216.08 million, resulting in 6.56% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Vystar Credit Union has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Vystar Credit Union has $4.39 billion in assets with $465.48 million in equity, resulting in a capitalization level of 10.60%, which is above average.

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