TellerScore

Midflorida Credit Union is a federally insured state-chartered credit union headquartered in Lakeland, Florida, in business for about 72 years. At the end of Q2 2026 it reported $9.8B in total assets and $8.6B in member shares and deposits, with 66 offices.

Based on its Q2 2026 filing, Midflorida Credit Union scores 72/100, which we describe as strong. That is higher than 66% of 454 credit unions with $1 billion – $10 billion. Among 107 credit unions headquartered in Florida, it ranks 50th. Its strongest component is problem-loan coverage (93/100; 3.7%), and its lowest is capital cushion (57/100; 10.69%).

TellerScore · Q2 2026

Scorecard

Capital cushion57/100
Net worth ratio: 10.69%
Loan quality85/100
Loans 60+ days delinquent ÷ total loans: 0.46%
Earnings71/100
Return on assets (annualized): 1.27%
Funding & liquidity69/100
Loans ÷ shares: 90.9% · 13.2% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.72%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (73 → 72).

TellerScore
727475Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202473
Q4 202473
Q1 202573
Q2 202573
Q3 202575
Q4 202575
Q1 202672
Q2 202672
Net worth ratio
7.00%9.10%11.20%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.24%
Q3 202410.52%
Q4 202410.65%
Q1 202510.44%
Q2 202510.70%
Q3 202510.94%
Q4 202511.20%
Q1 202610.33%
Q2 202610.69%
Delinquent loans (60+ days)
0.29%0.38%0.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.41%
Q3 20240.39%
Q4 20240.40%
Q1 20250.29%
Q2 20250.35%
Q3 20250.34%
Q4 20250.39%
Q1 20260.35%
Q2 20260.46%
Return on assets
1.24%1.32%1.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.32%
Q3 20241.37%
Q4 20241.35%
Q1 20251.28%
Q2 20251.35%
Q3 20251.40%
Q4 20251.39%
Q1 20261.24%
Q2 20261.27%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$9.8B10.69%0.46%1.27%90.9%
Q1 202672$9.8B10.33%0.35%1.24%90.4%
Q4 202575$8.8B11.20%0.39%1.39%93.6%
Q3 202575$8.8B10.94%0.34%1.40%92.3%
Q2 202573$8.7B10.70%0.35%1.35%93.0%
Q1 202573$8.6B10.44%0.29%1.28%90.7%
Q4 202473$8.1B10.65%0.40%1.35%92.5%
Q3 202473$8.0B10.52%0.39%1.37%91.8%
Q2 202472$8.0B10.24%0.41%1.32%90.0%

454 peers · $1 billion – $10 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.69%
45th
Problem loans0.46%
73rd
Net charge-offs0.42%
62nd
Return on assets1.27%
84th
Loans to deposits90.9%
41st
Uninsured deposits13.2%
19th
Loan-loss reserves0.00%
50th
Texas ratio3.7%
65th

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Space Coast Credit UnionCredit union Melbourne, FL66 out of 100, Moderate$9.2B11.4%0.80%vs
Fairwinds Credit UnionCredit union Orlando, FL73 out of 100, Strong$5.3B11.2%0.46%vs
Campus USA Credit UnionCredit union Gainesville, FL76 out of 100, Strong$4.0B12.3%0.38%vs
Grow Financial Federal Credit UnionCredit union Tampa, FL68 out of 100, Moderate$3.9B11.2%0.60%vs
Addition Financial Credit UnionCredit union Lake Mary, FL61 out of 100, Moderate$3.8B10.0%1.40%vs
Achieva Credit UnionCredit union Dunedin, FL68 out of 100, Moderate$3.2B9.9%0.35%vs

Deposit insurance

Is my money safe at Midflorida Credit Union?

Yes. Midflorida Credit Union is a federally insured credit union (NCUA charter #68600). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 13.2% of shares and deposits ($1.1B) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 10.69%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

66 locations

Branches

Midflorida Credit Union lists 66 offices in 41 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Midflorida Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68600
RSSD ID
101381
Primary regulator
State + NCUA
Established
1954
Headquarters
129 S Kentucky Ave, Lakeland, FL 33801
Employees
1,556

Quick answers

Midflorida Credit Union: common questions

Is Midflorida Credit Union NCUA insured?

Yes. Midflorida Credit Union is a federally insured credit union (NCUA charter #68600). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Midflorida Credit Union's TellerScore?

72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Midflorida Credit Union have?

66 offices as of the latest NCUA data.