A credit union's earnings performance affects its long-term survivability. Earnings can be retained by the credit union, increasing its capital cushion, or be used to deal with problematic loans, potentially making the credit union better prepared to withstand economic shocks. Conversely, losses reduce a credit union's ability to do those things.
VYSTAR received above-average marks on Bankrate's earnings test, achieving a score of 18 out of a possible 30.
VYSTAR had an earnings ratio of 9.00 percent in our test, higher than the average for all credit unions, an indication that it's outperforming its peers in this area.