VyStar Credit Union
Responsible banking
Social impact
Where its loans go
Largest: consumer loans, 45%
- Low-income designated credit unionDesignated by the NCUA because most of its members are on low incomes.
From public data
Social impact
Who VyStar Credit Union lends to.
- Low-income designated credit unionDesignated by the NCUA because most of its members are on low incomes.
Where its loans go
Its largest lending area is consumer loans, at 45% of its loans.
- Homes 45%All credit unions: 47%Mortgages and home equity loans on houses and other homes with one to four units.
- Apartment buildings 1%All credit unions: 3%Loans secured by apartment buildings with five or more homes.
- Business and commercial property 8%All credit unions: 8%Loans to businesses, and loans secured by offices, shops, warehouses and other commercial property.
- Construction and land 0%All credit unions: 1%Loans to build homes and other buildings, and to buy and prepare land for development.
- Farms 0%All credit unions: 0%Loans secured by farmland, and loans to farmers for crops, livestock and equipment.
- Consumer loans (cars, cards, personal) 45%All credit unions: 41%Car loans, credit card balances and other personal loans to households.
- Other 0%All credit unions: 0%All other lending, such as loans to other financial institutions, loans to governments and leases.
96%Loans as a share of depositsIts total loans divided by the deposits it holds. A higher share means more of its deposits are lent out. Above 100% means it also lends money raised in other ways.
This view is based on public information, including VyStar Credit Union's quarterly filings with the NCUA (listed as VyStar, NCUA charter 68490), the FDIC's Summary of Deposits and the CDFI Fund's list of certified institutions, as of 30 June 2026. Banks are compared with banks, and credit unions with credit unions. The lending figures show the loans held at the end of the quarter, so loans already sold are not included. This view is separate from the environmental responsibility rating and does not change it. It may be out of date, so please confirm details with the institution.
