Side-by-side · Q2 2026 data
Jm Associates Federal Credit Union vs Vystar Credit Union
Credit union
Jm Associates Federal Credit Union
Jacksonville, Florida · $100 million – $1 billion
Metric by metric
| Measure | Jm Associates Federal Credit Union | Vystar Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 51 |
| Capital cushion | 100 (stronger) | 39 |
| Loan quality | 76 (stronger) | 58 |
| Earnings | 80 (stronger) | 39 |
| Funding & liquidity | 83 (stronger) | 64 |
| Problem-loan coverage | 94 (stronger) | 77 |
| Peer percentile | 91st | 13th |
| Total assets | $151.2M | $14.3B |
| Deposits / shares | $130.8M | $11.2B |
| Capital ratio | 15.46% (stronger) | 8.93% |
| Problem loans | 0.71% (stronger) | 1.25% |
| Net charge-offs | 0.81% (stronger) | 1.04% |
| Return on assets | 1.49% (stronger) | 0.48% |
| Loans ÷ deposits | 77.0% (stronger) | 96.0% |
| Uninsured deposits | 8.4% | 6.9% (stronger) |
| Offices | 5 | 79 |
| CFPB complaints (3 yrs) | — | 930 |
| Complaints per $1B deposits | — | 83.2 |
| Mortgage denial rate (HMDA) | — | 48.8% |
Jm Associates Federal Credit Union has the higher TellerScore (87 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Jm Associates Federal Credit Union leads on 6 and Vystar Credit Union on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.