Credit Union Safety Analysis
Is Midflorida Credit Union Safe? Lakeland, Florida
Based on its Q2 2026 NCUA 5300 call report, Midflorida Credit Union has a net worth ratio of 10.69%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.46%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Midflorida Credit Union's net worth ratio is 10.69%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.69%
- Delinquency ratio (60+ days) (Q2 2026): 0.46%
- Return on assets (Q2 2026): 1.31%
- Loan-to-share ratio (Q2 2026): 90.94%
Midflorida Credit Union (NCUA charter 68600, established 1978) reported $9.79B in assets and 499,969 members for Q2 2026 from Lakeland, Florida. It ranks 3 of 106 credit unions in Florida by total assets. Total assets grew 13.1% from $8.65B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 10.33% for Q1 2026; 10.70% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.35% for Q1 2026; 0.35% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 1.24% for Q1 2026; 1.43% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 90.35% for Q1 2026; 93.01% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $2.97B
- Commercial loans: $2.07B
- New vehicle loans: $1.31B
- Used vehicle loans: $1.25B
- Unsecured credit card loans: $160.1M
- Other unsecured loans and lines of credit: $64.4M
- Other secured non-real estate loans and lines of credit: $38.3M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $9.79B | 10.69% | 0.46% | 1.31% | 90.94% |
| March 31, 2026 | $9.82B | 10.33% | 0.35% | 1.24% | 90.35% |
| December 31, 2025 | $8.79B | 11.20% | 0.39% | 1.37% | 93.64% |
| September 30, 2025 | $8.77B | 10.94% | 0.34% | 1.54% | 92.33% |
| June 30, 2025 | $8.65B | 10.70% | 0.35% | 1.43% | 93.01% |
| March 31, 2025 | $8.57B | 10.44% | 0.29% | 1.28% | 90.65% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Midflorida Credit Union profile
Regulator records: NCUA credit union profile (charter 68600) · FFIEC NIC profile (RSSD 101381)
Frequently asked questions
Is Midflorida Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Midflorida Credit Union's net worth ratio is 10.69%, above the 7% NCUA threshold for well capitalized.
Is Midflorida Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Midflorida Credit Union is a federally insured credit union (NCUA charter 68600): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Midflorida Credit Union's key safety ratios?
For Q2 2026, Midflorida Credit Union reports net worth 10.69%, delinquency 0.46%, ROA 1.31%, loan-to-share 90.94%.
What happens to my money if Midflorida Credit Union fails?
For Q2 2026, Midflorida Credit Union held $8.63B in shares and deposits for 499,969 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.