Side-by-side · Q2 2026 data
Metro North Federal Credit Union vs Vystar Credit Union
Credit union
Metro North Federal Credit Union
Jacksonville, Florida · Under $100 million in assets
Metric by metric
| Measure | Metro North Federal Credit Union | Vystar Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 51 |
| Capital cushion | 100 (stronger) | 39 |
| Loan quality | 98 (stronger) | 58 |
| Earnings | 37 | 39 (stronger) |
| Funding & liquidity | 100 (stronger) | 64 |
| Problem-loan coverage | 100 (stronger) | 77 |
| Peer percentile | 83rd | 13th |
| Total assets | $21.7M | $14.3B |
| Deposits / shares | $17.9M | $11.2B |
| Capital ratio | 16.74% (stronger) | 8.93% |
| Problem loans | 0.07% (stronger) | 1.25% |
| Net charge-offs | 0.00% (stronger) | 1.04% |
| Return on assets | 0.42% | 0.48% (stronger) |
| Loans ÷ deposits | 46.0% (stronger) | 96.0% |
| Uninsured deposits | 0.0% (stronger) | 6.9% |
| Offices | 2 | 79 |
| CFPB complaints (3 yrs) | — | 930 |
| Complaints per $1B deposits | — | 83.2 |
| Mortgage denial rate (HMDA) | — | 48.8% |
Metro North Federal Credit Union has the higher TellerScore (87 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Metro North 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.