VyStar Q1 Q1 assets data summarize how Vystar's balance sheet, member base, credit metrics, earnings, and net worth moved through the first quarter.
Highlights
- Assets: $13.8B at March 31, 0.61% from year-end and -1.72% from a year earlier.
- Loans: $10.4B, equal to 75.36% of assets.
- Member shares: $11.3B, with loan-to-share at 91.98%.
- Credit: delinquency was 1.22%; net charge-offs were 1.06% of average loans.
- Net worth: 8.86%; return on assets was 0.41%; year-to-date net income was $14.2M.
VyStar Q1 Q1 assets narrative
NCUA 5300 Call Report data for charter 68490 show Vystar reported $13.8B in assets, $10.4B in loans, and $11.3B in member shares at March 31.
The lending side accounted for 75.36% of assets, and the loan-to-share ratio was 91.98%. Those two measures give readers the basic balance-sheet context for comparing Vystar with other large credit unions.
Credit and earnings metrics round out the Q1 view. Vystar reported a 1.22% delinquent-loans-to-total-loans ratio, 1.06% net charge-offs to average loans, 0.41% return on assets, and $14.2M in year-to-date net income.
Net worth ratio, loan concentration, member-share growth, and credit costs should be read together because they describe different parts of the same cooperative balance sheet. None of those measures alone is the story; together they show how the quarter moved.
This series uses a straightforward format: highlights first, then the narrative around assets, loans, member shares, credit, earnings, and net worth. The goal is to make the Q1 call-report movement readable as a data update for industry readers.