Lakeland, Florida · Peer group 6
Midflorida Credit Union
Midflorida Credit Union holds $9.82B in assets across 493,840 members as of Q1 2026 — about $20K of assets per member, on a charter dating to 1954. Charter number 68600, in the $1B-$10B asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $9.82B |
|---|---|
| Total loans | $7.83B |
| Total shares (deposits) | $8.67B |
| Net worth | $1.01B |
| Members | 493,840 |
| Assets per member | $20K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 14.5% | |
|---|---|---|
| Loans | 17.4% | higher than 97% of its peer group |
| Deposits | 17.8% | higher than 98% of its peer group |
| Members | 2.3% | around the 59th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 90.4% | around the 69th percentile of its peer group |
|---|---|---|
| Net worth ratio | 10.3% | around the 43rd percentile of its peer group |
| Return on assets | 1.24% | around the 83rd percentile of its peer group |
| Delinquency ratio | 0.35% | around the 22nd percentile of its peer group |
| Cash / assets | 6.8% | around the 34th percentile of its peer group |
| Borrowings / assets | 0.4% | around the 42nd percentile of its peer group |
What this page does not show
Everything above is Midflorida Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Florida — the comparison set a peer ratio is measured against.
- Space Coast Credit Union
Melbourne, FL
$9.29B · 707,051 members
- Vystar Credit Union
Jacksonville, FL
$13.80B · 1,058,604 members
- Fairwinds Credit Union
ORLANDO, FL
$5.29B · 252,617 members
- Campus USA Credit Union
Gainesville, FL
$3.97B · 162,812 members
- Grow Financial Credit Union
Tampa, FL
$3.94B · 297,778 members
- Addition Financial Credit Union
Lake Mary, FL
$3.81B · 257,388 members
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