Side-by-side · Q2 2026 data
Vystar Credit Union vs Tru Fi Credit Union
Metric by metric
| Measure | Vystar Credit Union | Tru Fi Credit Union |
|---|---|---|
| TellerScore | 51 | 84 (stronger) |
| Capital cushion | 39 | 76 (stronger) |
| Loan quality | 58 | 80 (stronger) |
| Earnings | 39 | 88 (stronger) |
| Funding & liquidity | 64 | 93 (stronger) |
| Problem-loan coverage | 77 | 94 (stronger) |
| Peer percentile | 13th | 86th |
| Total assets | $14.3B | $146.4M |
| Deposits / shares | $11.2B | $127.3M |
| Capital ratio | 8.93% | 12.61% (stronger) |
| Problem loans | 1.25% | 0.60% (stronger) |
| Net charge-offs | 1.04% | -0.06% (stronger) |
| Return on assets | 0.48% | 1.71% (stronger) |
| Loans ÷ deposits | 96.0% | 67.7% (stronger) |
| Uninsured deposits | 6.9% (stronger) | 11.9% |
| Offices | 79 | 3 |
| CFPB complaints (3 yrs) | 917 | — |
| Complaints per $1B deposits | 82.1 | — |
| Mortgage denial rate (HMDA) | 48.8% | — |
Tru Fi Credit Union has the higher TellerScore (84 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Vystar Credit Union leads on 1 and Tru Fi Credit Union on 6. 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.
Where both have branches
- Callahan, FL
- Macclenny, FL