State credit union · Lakeland, Florida · NCUA charter #68600
MIDFLORIDA
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $8.79B
- Total assets
- 488,867
- Members
- 10.3%
- Net-worth ratio
MIDFLORIDA scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.79B; members 488,867; net-worth ratio 10.33%; health rank #409 of 4,374; healthier than 90th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#409 of 4,374 health · 2025Q4MIDFLORIDA · health 95/100 · $8.79B · 2025Q4
- PHOTO 95/100
- BOOK 10.3%
- CHARTER 0.39%
- NCUSIF 1.25%
- CAMELS $8.79B
- HEALTH 488,867
- NW #409/4,374
- DELQ COMMUNITYAMERICA
- ROA 68600
Call Report peers
MIDFLORIDA in the assets neighbourhood
MIDFLORIDA's $8.79B assets sit next to COMMUNITYAMERICA ($8.67B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
MIDFLORIDA vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
MIDFLORIDA - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #68600. See our deposit-insurance coverage note.
Peer-gap read for MIDFLORIDA
- Largest favorable gap: Loan-to-Share Ratio at 93.64% vs peer 83.90% (+9.74 pp).
- Widest shortfall vs peers is Net Worth Ratio: -0.85 pp (10.33% vs 11.18%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
MIDFLORIDA: in-state Call Report ranks
- In Florida, health place is #18 of 109 on the same NCUA-ratio sort used nationally.
- By total assets, MIDFLORIDA is #4 of 109 in Florida.
- Membership ranks #4 of 109 among Florida CUs with a reported count (488,867 members).
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How MIDFLORIDA's 5300 filing moved
MIDFLORIDA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +11.7% from $8.79B (2025Q4) to $9.82B (2026Q1).
- Net-worth ratio shifted -0.87 pp (11.20% → 10.33%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.33% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 95/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 12.1 pts
- Loan-to-Share Ratio 12.9 pts
MIDFLORIDA vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.33% | -0.85 pp |
| Delinquency Rate | 0.39% | -0.49 pp |
| Return on Assets | 1.25% | +0.74 pp |
| Member Growth | 2.55% | - |
| Loan-to-Share Ratio | 93.64% | +9.74 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
MIDFLORIDA filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $9.82B | - |
| 2025Q4 | $8.79B | 488,867 |
| 2024Q4 | $8.14B | 476,720 |
| 2023Q4 | $7.52B | 460,195 |
Credit Union Details
- Charter Number
- 68600
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Florida
- City
- Lakeland
- Data Quarter
- 2025Q4
Branch Locations (69)
The NCUA branch filing lists 69 physical offices for MIDFLORIDA, spread across 41 cities.
| Office | City |
|---|---|
| 15-Tower (Main Office) | Lakeland, FL |
| 2201-Longwood | Altamonte Springs, FL |
| 21-Arcadia | Arcadia, FL |
| 20-Auburndale | Auburndale, FL |
| 28-Avon Park | Avon Park, FL |
| 06-Bartow | Bartow, FL |
| 2220 - Belleview Office | Belleview, FL |
| 2226 - Bradenton - Cortez | Bradenton, FL |
| 2228 - Bradenton - Manatee | Bradenton, FL |
| 34-Central Brandon | Brandon, FL |
| 2210 - Cape Coral - Parkway | Cape Coral, FL |
| 40-Gulf to Bay | Clearwater, FL |
| 2237 - Crawfordville | Crawfordville, FL |
| 39-Davenport | Davenport, FL |
| 2231 - Dunedin | Dunedin, FL |
| 2217 - Gainesville - Oaks Office | Gainesville, FL |
| 09-Haines City | Haines City, FL |
| 18-Kissimmee | Kissimmee, FL |
| 25-Lake Placid | Lake Placid, FL |
| 02-Lake Wales | Lake Wales, FL |
| 05-South Lakeland | Lakeland, FL |
| 27-Crystal Lake | Lakeland, FL |
| 10-Hollingsworth | Lakeland, FL |
| 07-Mall | Lakeland, FL |
| 24-Highland City | Lakeland, FL |
| 08-North Lakeland | Lakeland, FL |
| Tower Annex | Lakeland, FL |
| 49-Harden | Lakeland, FL |
| 2238 - Lakeland - Midtown | Lakeland, FL |
| 32-Largo - Walsingham | Largo, FL |
| 2225 - East Bay Largo | Largo, FL |
| 36-Land O' Lakes | Lutz, FL |
| 2211 - Naples - Pine Ridge | Naples, FL |
| 19-Trinity | New Port Richey, FL |
| 2209 - Ocala - Main Office | Ocala, FL |
| 2213 - Ocala - Golden Hills Office | Ocala, FL |
| 2214 - Ocala - East Office | Ocala, FL |
| 2215 - Ocala - North Office | Ocala, FL |
| 2216 - Ocala - Heath Brook Office | Ocala, FL |
| 16-Okeechobee | Okeechobee, FL |
| 2198-Waterford Lakes | Orlando, FL |
| 2200-Sandlake | Orlando, FL |
| 2232-Orlando South Downtown | Orlando, FL |
| 41-Pinellas Park | Pinellas Park, FL |
| 44-Plant City | Plant City, FL |
| 48-St Lucie | Port Saint Lucie, FL |
| 2206 - Gatlin Blvd | Port St Lucie, FL |
| 2203 - Port St. Lucie West | Port St Lucie, FL |
| 2230 - Sarasota | Sarasota, FL |
| 14-South Sebring | Sebring, FL |
| 03-North Sebring | Sebring, FL |
| Sebring Corporate | Sebring, FL |
| 2204 - Spring Hill | Spring Hill, FL |
| 26-4TH Street St Pete | St Petersburg, FL |
| 2208 - Stuart | Stuart, FL |
| 2235 - Tallahassee - Main Office | Tallahassee, FL |
| 2236 - Tallahassee - Capital Circle | Tallahassee, FL |
| 29-Central Tampa | Tampa, FL |
| 33-New Tampa | Tampa, FL |
| 2205 - South Tampa | Tampa, FL |
| 2207 - Carrollwood | Tampa, FL |
| 2224 - Temple Terrace | Tampa, FL |
| 2222 - Villages - Oxford | The Villages, FL |
| 2223 - Villages - Wildwood | The Villages, FL |
| 46-Vero | Vero Beach, FL |
| 17-Wauchula | Wauchula, FL |
| 11-Spirit Lake | Winter Haven, FL |
| 04-North Winter Haven | Winter Haven, FL |
| 12-South Winter Haven | Winter Haven, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
A look at other Florida credit unions, ranked by how closely their peer group and asset size match this one.
MIDFLORIDA nationwide neighbourhoods
Cross-state asset and health neighbours for MIDFLORIDA - kept outside Florida; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($8.79B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
Using this data
- MIDFLORIDA ranks #409 of 4,374 nationally on financial health and #18 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Space Coast is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Space Coast
- Rates and health both vary by institution, not just by state -- see how Florida credit unions compare overall before assuming this one is typical. Florida state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is MIDFLORIDA financially healthy?
MIDFLORIDA scores 95/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #409 of 4,374; by total assets it ranks #41 of 4,374 nationally (same basis as /rankings/largest); and #4 of 109 within Florida. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.33% net worth ratio and a 0.39% delinquency rate.
How does MIDFLORIDA compare to other credit unions?
PlainCU's health composite puts MIDFLORIDA at 95/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join MIDFLORIDA?
Membership eligibility for MIDFLORIDA depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact MIDFLORIDA directly for current membership requirements and application steps.
Is my money safe at MIDFLORIDA?
Federal credit unions like MIDFLORIDA are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. MIDFLORIDA's net worth ratio of 10.33% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does MIDFLORIDA offer compared to banks?
Credit unions like MIDFLORIDA are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact MIDFLORIDA directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.