MidFlorida Credit Union
Total assets
$9.82B
▲ +14.5% YoY
Shares & deposits
$8.67B
▲ +17.8% YoY
Loans
$7.83B
▲ +17.4% YoY
Members
493,840
▲ +2.3% YoY
ROA (annualized)
1.24%
peers 0.71%
ROE (annualized)
11.98%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.5% | +5.1% | +9.4 pts |
| Share growth (YoY) | +17.8% | +4.9% | +12.9 pts |
| Loan growth (YoY) | +17.4% | +5.4% | +11.9 pts |
| ROA | 1.24% | 0.71% | +0.5 pts |
| ROE | 12.0% | 6.3% | +5.7 pts |
ROA ranks in the 84th percentile of its peer group · Q1 2026
Profile
- Established
- 1954
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 129 S Kentucky Ave, Lakeland, FL, 33801
- NCUA charter #
- 68600
- RSSD ID
- 101381
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.82B | $8.67B | $7.83B | $1.01B | $30.4M | 1.24% | 3.04% | 0.35% | 493,840 |
| Q4 2025 | $8.79B | $7.47B | $7.00B | $984.1M | $122.2M | 1.39% | 3.18% | 0.39% | 488,867 |
| Q3 2025 | $8.77B | $7.48B | $6.91B | $960.1M | $92.1M | 1.40% | 3.14% | 0.34% | 487,218 |
| Q2 2025 | $8.65B | $7.40B | $6.89B | $926.4M | $58.4M | 1.35% | 3.09% | 0.35% | 485,017 |
| Q1 2025 | $8.57B | $7.36B | $6.67B | $895.6M | $27.5M | 1.28% | 3.00% | 0.29% | 482,657 |
| Q4 2024 | $8.14B | $6.94B | $6.42B | $868.1M | $109.9M | 1.35% | 2.97% | 0.40% | 476,720 |
| Q3 2024 | $8.04B | $6.86B | $6.29B | $847.1M | $82.7M | 1.37% | 2.96% | 0.39% | 472,203 |
| Q2 2024 | $7.97B | $6.82B | $6.14B | $817.2M | $52.7M | 1.32% | 2.94% | 0.41% | 468,236 |
Loan mix (Q1 2026): real estate $2.96B · commercial $1.98B · consumer $2.85B · securities $489.8M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | MidFlorida Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 0.71% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 12.0% | 6.3% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.04% | 3.32% | 32th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.9% | 73.0% | 9th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | MidFlorida Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | MidFlorida Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | MidFlorida Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | MidFlorida Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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