Vystar Credit Union (68490), a $13.9B credit union headquartered in Jacksonville, FL, led by CEO Wolfburg, reported 1,037,027 members at the end of 2025 Q3, an increase of 39,558 members (+4.0%) compared to the same quarter last year.
Strong membership growth indicates successful community engagement, competitive products, and effective marketing—key drivers of long-term franchise value.
Per-Member Economics
Vystar Credit Union's 1,037,027 members maintain an average of $11K in deposits and $10K in loans. Membership growing faster than per-member balances suggests successful acquisition of newer members who haven't yet consolidated accounts.
Membership Trends
Consistent quarterly member additions demonstrate sustainable acquisition momentum.
Quarterly Membership Trend
| Period | Members | QoQ Change | Assets/Member |
|---|---|---|---|
| 2024 Q2 | 984,565 | $15K | |
| 2024 Q3 | 997,469 | +1.3% | $15K |
| 2024 Q4 | 1,006,733 | +0.9% | $14K |
| 2025 Q1 | 1,017,874 | +1.1% | $14K |
| 2025 Q2 | 1,024,502 | +0.7% | $14K |
| 2025 Q3 | 1,037,027 | +1.2% | $13K |
Source: NCUA 5300 Call Reports
Field of Membership Penetration
Vystar Credit Union has a defined field of membership comprising 19,462,875 potential members. With 1,037,027 current members, the credit union achieves a 5.3% penetration rate, representing significant untapped growth potential.
Historical Context: Since the 2008 Crisis
Vystar Credit Union's membership has grown 201% since Q3 2008, when the financial crisis peaked. At that time, the credit union served 344,576 members.
This sustained membership expansion reflects successful community engagement and competitive positioning over nearly two decades.
Peer Comparison
Among 43 credit unions in its $7.0B–$20.9B asset peer group, Vystar Credit Union ranks in the 62nd percentile for membership growth.
Outlook
With positive membership momentum, Vystar Credit Union is positioned to leverage its growing base for cross-selling opportunities and deposit gathering. Key factors to watch include member retention rates, new member activation, and competitive dynamics in FL.
Vystar Credit Union's Q4 2025 results, expected in early 2026, will provide further insight into whether membership growth can accelerate.
Track This Credit Union
Monitor Vystar Credit Union's quarterly membership trends, per-member economics, and engagement metrics with Finleet Terminal.
Data Sources: NCUA 5300 Call Reports (2025_Q3), NCUA Historical Data (2007-present), Finleet Proprietary Analysis
Methodology: Year-over-year growth calculated comparing 2025_Q3 to same quarter prior year. Peer groups defined as credit unions within 50% asset range. Per-member metrics calculated by dividing totals by member count.