MIDFLORIDA
State-Chartered • Lakeland, Florida • Est. 1954
Quick Facts
- Charter Number
- #68600
- Type
- State-Chartered
- Established
- 1954
- Headquarters
- Lakeland, Florida 33801
- Address
- 129 S Kentucky Ave
- Branches
- 65
- ATMs
- 85
- Members
- 488,867
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
488,867 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | MIDFLORIDA |
|---|---|
| Total Assets | $8.8B |
| Members | 488,867 |
| Loans Outstanding | $7.0B |
| Shares & Deposits | $7.5B |
| Net Worth | $984.1M |
| Net Worth Ratio | 11.20% |
| Loan-to-Share Ratio | 93.6% |
| Delinquency Rate | 0.39% |
| Net Income | +$165,032,970 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
65 locations · 85 ATMs
15-Tower
Main Office129 S Kentucky Ave
Lakeland, FL 33801
05-South Lakeland
6040 S Florida Ave
Lakeland, FL 33813-3301
21-Arcadia
128 S Brevard Ave
Arcadia, FL 34266
20-Auburndale
2146 US Highway 92 W
Auburndale, FL 33823
28-Avon Park
930 US Highway 27 S
Avon Park, FL 33825
Who Can Join MIDFLORIDA?
Membership Type: Community
Membership eligibility for MIDFLORIDA may vary. Contact the credit union directly to confirm qualification requirements.
Contact MIDFLORIDA directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Florida RankingsFrequently Asked Questions
Yes. MIDFLORIDA is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, MIDFLORIDA has 488,867 members and a potential membership field of 10,727,888 people.
MIDFLORIDA's net worth ratio is 11.20% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.2%, MIDFLORIDA meets this threshold.
MIDFLORIDA operates 65 branch locations and has access to 85 ATMs. The main office is located at 129 S Kentucky Ave, Lakeland, FL 33801.
MIDFLORIDA was established in 1954. It is a state-chartered credit union chartered under charter number 68600. The institution has been serving members for 72 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or MIDFLORIDA. All financial data is for informational purposes only.