PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Midflorida

Lakeland, FL · Charter 68600

NCUA · 66 branches

Q2 2026

$9.8BAssets
$7.8BLoans
$8.6BShares
$1.0BNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.27%, down 7 bps year over year; NIM at 3.18%.
  • Asset quality: problem loans at 0.46% of loans (+12 bps YoY).
  • Capital: net worth / assets of 10.69%, down 2 bps from a year ago.
  • Funding: loans stand at 90.94% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.27%-7 bps YoY

Net Interest Margin (YTD, annualized)

3.18%+9 bps YoY

Efficiency Ratio (YTD, annualized)

62.65%+270 bps YoY

Net Worth / Assets

10.69%-2 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.35%1.40%1.39%1.24%1.27%-7 bps
Return on Equity12.61%12.79%12.42%11.98%11.93%-68 bps
Net Interest Margin3.09%3.14%3.18%3.04%3.18%+9 bps
Efficiency Ratio59.95%59.16%59.56%59.85%62.65%+270 bps
Growth
Asset Growth (YoY)8.59%9.04%7.96%14.51%13.14%+454 bps
Loan Growth (YoY)12.18%9.84%8.91%17.37%13.96%+178 bps
Share Growth (YoY)8.59%9.19%7.63%17.76%16.56%+797 bps
Asset Quality
Delinquent Loans / Loans0.35%0.34%0.39%0.35%0.46%+12 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.71%10.95%11.20%10.33%10.69%-2 bps
Net Worth / Assets10.71%10.95%11.20%10.33%10.69%-2 bps
Liquidity & Funding
Loans / Shares93.01%92.33%93.64%90.35%90.94%-207 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps