Jacksonville, FL · State Credit Union · Chartered in FL
Who can join
State government employees (special charter)
Members
1,058,604
Net Worth Ratio
8.86%
min. 7% = Well Capitalized
Contact & Details
NCUAWebsite
Phone
Address
Branch Locations
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
Total Assets
$13.80B
Total Shares
$11.31B
Total Loans
$10.40B
Net Income
$14.2M
Net Worth Ratio
8.86%
≥7% = Well Capitalized
Members
1,058,604
Return on Assets
0.10%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.91%
$95.2M
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 8,757 | 3,686 | 3,802 | 42.1% | 43.4% |
| 2022 | 14,015 | 5,529 | 6,868 | 39.5% | 49.0% |
| 2021 | 15,792 | 5,678 | 6,715 | 36.0% | 42.5% |
Last 12 Months
381
Since 2018
1,174
all complaints on record
Monetary Relief
16%
% of complaints with monetary relief
Untimely Response
0%
% exceeding 15-day window
Monthly Complaints (2021–present)
Data through Jun 2026.Last 12 months shown — upgrade for full history.
Corporate Office (VyStar Tower)
76 S Laura St, Jacksonville, FL, 32202-3433
Mon-Fri 8:30-5:00
161-Ocala
4602 SW College Rd, Ocala, FL, 34474-5720
MON-THU 9-5 FRI 9-6
412-Mandarin High School
4831 Greenland Rd, Jacksonville, FL, 32258-1517
MON-FRI 10:30-12:15
413-Fletcher High School
700 Seagate Ave, Neptune Beach, FL, 32266-3505
MON-FRI 10:30-12:15
160-San Marco
1600 Hendricks Ave, Jacksonville, FL, 32207-3110
MON-THU 9-5 FRI 7:30-6 SAT 9-1
165-Bartram Park
13680 Old Saint Augustine Rd, Jacksonville, FL, 32258
MON-THU 9-5 FRI 9-6
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<a href="https://bankscorer.com/credit-union/vystar" target="_blank" rel="noopener">View VYSTAR on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.
Loan-to-share ratio: 92.0%· healthy range 60–80%
'22
'23
'24
'25
'26
2021–2025 locked
Full 2021–present history available — see pricing from $14/mo.
164-Oviedo
3055 Alafaya Trl, Oviedo, FL, 32765-9403
MON-THU 9-5 FRI 9-6
167-Flagler Beach
2550 Moody Blvd, Palm Coast, FL, 32137
MON-THU 9-5 FRI 9-6
414-Yulee High School
85375 Miner Rd, Yulee, FL, 32097-7253
TUE-FRI 11:30-1
163-Sanford
251 W 1st St, Sanford, FL, 32771-1203
MON-THU 9-5 FRI 9-6
90 more locations not shown.