Midflorida Credit Union Lakeland, Florida
Midflorida Credit Union is a state-chartered credit union headquartered in Lakeland, FL, established in 1978 (NCUA charter 68600), and it is regulated and insured by the NCUA. At Q2 2026 it reported 499,969 members and total assets of $9.79B (up 13.1% from Q2 2025), the 3rd largest of 106 credit unions headquartered in Florida. Its net worth ratio was 10.69% at Q2 2026, in the well capitalized band.
Also written as Midflorida CU · Trade names filed with the NCUA: MIDFLORIDA Mortgage Center, MIDFLORIDA Wholesale Auto Sales, Midflorida, Midflorida Schools Fcu, MIDFLORIDA Federal Credit Union and MIDFLORIDA-Martin Credit Union
BankRegReports is independent of Midflorida Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 68600
- Headquarters
- Lakeland, FL
- Established
- 1978
- Total assets, Q2 2026
- $9.79B
- Assets vs Q2 2025
- +13.1%
- Members, Q2 2026
- 499,969
- Net worth ratio, Q2 2026
- 10.69%
- Latest call report
- Q2 2026, NCUA 5300 · Midflorida Credit Union call report
- Asset rank in state
- 3rd of 106 in Florida
- Routing number
- 263179804
- Branches
- 69
It has 14,952 more members than on June 30, 2025 (+3.1%). Its net worth ratio was down 0.01 percentage points from 10.70% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $2.97B of $7.85B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.46% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 10.69% net worth ratio is below that band's 10.89% median.
Credit unions merged into Midflorida Credit Union
Martin Federal Credit Union (2017)
Frequently asked about Midflorida Credit Union
How big is Midflorida Credit Union?
At Q2 2026 it reported total assets of $9.79B and 499,969 members.
Where is Midflorida Credit Union headquartered?
It is headquartered in Lakeland, FL, United States.
When was Midflorida Credit Union founded?
It was established in 1978, per NCUA records.
Is Midflorida Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68600): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Midflorida Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Midflorida Credit Union well capitalized?
Its net worth ratio was 10.69% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Midflorida Credit Union's delinquency ratio?
Its delinquency ratio was 0.46% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Midflorida Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 90.94% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Lakeland, FL 33801
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1978
- NCUA Charter #
- 68600
- RSSD ID
- 101381
- Members
- 499,969
- Potential members
- 10,817,583
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 10.69% | 10.89% | 45th below |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.31% | 0.89% | 77th top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 12.24% | 8.07% | 83rd top |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.31% | 3.45% | 42nd below |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 65.36% | 70.59% | 68th above |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.66% | 1.68% | 52nd above |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.46% | 0.68% | 74th above |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.97% | 5.12% | 41st position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 90.94% | 88.03% | 60th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$9.79B total assets against $8.65B; $8.63B total shares and deposits against $7.40B; $7.85B total loans against $6.89B.
$1.05B net worth against $926.4M.
10.69% net worth ratio against 10.70%.
90.94% loan-to-share ratio against 93.01%.
0.46% delinquency ratio against 0.35%.
1.31% return on assets against 1.43%; 12.24% return on equity against 13.34%.
3.31% net interest margin against 3.21%.
499,969 members against 485,017.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.69% | 1.31% | 0.46% | 90.94% |
| March 31, 2026 | 10.33% | 1.24% | 0.35% | 90.35% |
| December 31, 2025 | 11.20% | 1.37% | 0.39% | 93.64% |
| September 30, 2025 | 10.94% | 1.54% | 0.34% | 92.33% |
| June 30, 2025 | 10.70% | 1.43% | 0.35% | 93.01% |
| March 31, 2025 | 10.44% | 1.28% | 0.29% | 90.65% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.