Midflorida
Lakeland, FL · Charter 68600 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 66 branches
Q2 2026
$9.8BAssets
$7.8BLoans
$8.6BShares
$1.0BNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 89% of credit unions $1B-$10B in assets (rank 48 of 435).
- Widest gap: net interest margin trails 64% of credit unions $1B-$10B in assets (rank 278 of 435).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.27%
Rank 71 of 435
Net Interest Margin
3.18%
Rank 278 of 435
Efficiency Ratio
62.65%
Rank 85 of 435
Equity / Assets
10.69%
Rank 235 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.27% | 0.55% | 0.81% | 1.14% | Beats 84% | 71 / 435 | | |
| Return on Equity | 11.93% | 5.12% | 7.41% | 9.70% | Beats 89% | 48 / 435 | | |
| Net Interest Margin | 3.18% | 3.01% | 3.39% | 3.75% | Beats 36% | 278 / 435 | | |
| Efficiency Ratio | 62.65% | 65.25% | 71.39% | 77.86% | Beats 81% | 85 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.46% | 0.45% | 0.69% | 1.05% | Beats 74% | 116 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.69% | 9.81% | 10.84% | 12.63% | Beats 46% | 235 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.69% | 9.81% | 10.84% | 12.63% | Beats 46% | 235 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 90.94% | 78.33% | 88.38% | 95.61% | 59th pctl | 179 / 435 | | |
| Loans / Assets | 80.17% | 67.69% | 74.58% | 80.80% | 71st pctl | 124 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |