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 · 2025Q4

MIDFLORIDA · health 95/100 · $8.79B · 2025Q4

Call Report peers

MIDFLORIDA in the assets neighbourhood

BROADVIEW$8.99BDelta Community$8.93BMIDFLORIDA (this)$8.79BCOMMUNITYAMERICA$8.67BVERIDIAN$8.61BBELLCO$8.43B
Nearest other-state credit unions by total assets (NCUA 5300)

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

The busiest band is 85-89 (858 credit unions); MIDFLORIDA sits in 95-99 with 391 others.

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

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%).

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).
  • One place up in Florida, Financial Educators (#17) ties at 95/100; one place down, SUNCOAST (#19) ties at 95/100.

How MIDFLORIDA's 5300 filing moved

MIDFLORIDA: total assets by quarter

2023Q4 to 2026Q1, NCUA 5300

7,000,000,0008,000,000,0009,000,000,00010,000,000,00011,000,000,000 2023Q42024Q42025Q42026Q1 7,523,425,887 9,816,852,241 ▲ +30.5%
  • Assets moved +11.7% from $8.79B (2025Q4) to $9.82B (2026Q1).
  • Net-worth ratio shifted -0.87 pp (11.20% → 10.33%).
Net worth ratio vs. NCUA well-capitalized threshold 68.9%

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

MIDFLORIDA gives up 5 points in total. Member Growth costs the most, 2.9 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.

  • 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

Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.

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.

Compare MIDFLORIDA vs SPACE COAST

MIDFLORIDA nationwide neighbourhoods

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

Frequently Asked Questions

Is MIDFLORIDA financially healthy?

On its 2025Q4 NCUA 5300 filing, MIDFLORIDA scores 95/100 (Excellent), with a 10.33% net worth ratio and 0.39% of loans delinquent. It ranks #409 of 4,374 nationally on health and #18 of 109 in Florida.

How does MIDFLORIDA compare to other credit unions?

MIDFLORIDA scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (93.64% vs 83.90%). Its widest shortfall is net worth ratio (10.33% vs 11.18%).

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?

MIDFLORIDA is a state-chartered credit union; its shares are federally 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."

Data sources

Related

How health scores work →

Data sourced from the NCUA 5300 Call Report (2025Q4) for MIDFLORIDA. Retrieved and formatted by PlainCU. See our methodology for details.

Disclaimer: Not affiliated with NCUA. For informational purposes only.

Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.