MIDFLORIDA
Charter #68600 · Lakeland, FL · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 493,840 ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.31% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.35% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 59.85% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | MIDFLORIDA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $9.82B | 95th pct | 90th pct |
| Members | 493,840 | 93th pct | 84th pct |
| Net worth ratio | 10.33% | 40th pct | 34th pct |
| Return on average assets | 1.31% | 85th pct | 85th pct |
| Net interest margin | 3.21% | 41th pct | 44th pct |
| Cost of funds | 1.73% | 48th pct | 41th pct |
| Loan-to-share | 90.35% | 62th pct | 51th pct |
| Delinquency 60+ days | 0.35% | 20th pct | 16th pct |
| Net charge-off ratio | 0.45% | 41th pct | 46th pct |
| Loan growth YoY | 13.30% | 97th pct | 97th pct |
| Share growth YoY | 15.78% | 96th pct | 98th pct |
| Efficiency ratio | 59.85% | 11th pct | 8th pct |
structural peer set hash: 5db3d1da010cd2734deac6804110275c… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.