Charter 68600 · Lakeland, FL
Midflorida Credit Union
Midflorida Credit Union is a state-chartered credit union in Lakeland, Florida, with $9.79 billion in assets and 499,969 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 10.69%, well above the 7% that NCUA's rules treat as well capitalized.
Also does business as MIDFLORIDA Schools FCU, MIDFLORIDA Federal Credit Union, MIDFLORIDA-Martin Credit Union, MIDFLORIDA-Martin, CB&T is now MIDFLORIDA Credit Un, MIDFLORIDA Mortgage Center, MIDFLORIDA Wholesale Auto Sales.
- Total assets
- $9.79 billion
- +13.1% in a year
- Members
- 499,969
- +3.1% in a year
- Net worth ratio
- 10.69%
- Peer median 10.79%
- Loans 60+ days late
- 0.46%
- Peer median 0.67%
- Loans outstanding
- $7.85 billion
- +14.0% in a year
- Shares and deposits
- $8.63 billion
- +16.6% in a year
- Branches
- 69
- 1,556 employees
- Opened
- 1954
- Florida charter
How Midflorida Credit Union compares
NCUA groups credit unions by size; Midflorida Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 10.69% is lower than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.46%, is lower than the group median of 0.67%. Loans grew 14.0% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 3 of 107 credit unions headquartered in Florida. See all Florida credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $9.79 billion | 499,969 | $7.85 billion | 10.69% | 0.46% |
| Q1 2026 | $9.82 billion | 493,840 | $7.83 billion | 10.33% | 0.35% |
| Q4 2025 | $8.79 billion | 488,867 | $7.00 billion | 11.20% | 0.39% |
| Q3 2025 | $8.77 billion | 487,218 | $6.91 billion | 10.94% | 0.34% |
| Q2 2025 | $8.65 billion | 485,017 | $6.89 billion | 10.70% | 0.35% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 11 million potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 69 sites for Midflorida Credit Union; the first 40 are below. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- 15-Tower (main office)
129 S Kentucky Ave, Lakeland, FL 33801 - 05-South Lakeland
6040 S Florida Ave, Lakeland, FL 33813 - 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 - 06-Bartow
105 E Van Fleet Dr, Bartow, FL 33830 - 39-Davenport
300 Ambersweet Way, Davenport, FL 33897 - 02-Lake Wales
237 State Road 60 W, Lake Wales, FL 33853 - 34-Central Brandon
825 W Brandon Blvd, Brandon, FL 33511 - 27-Crystal Lake
1817 Crystal Lake Dr, Lakeland, FL 33801 - 10-Hollingsworth
3008 S Florida Ave, Lakeland, FL 33803 - 07-Mall
1090 Wedgewood Estates Blvd, Lakeland, FL 33809 - 24-Highland City
5301 Us Highway 98 S, Lakeland, FL 33812 - 08-North Lakeland
7301 Us Highway 98 N, Lakeland, FL 33809 - 16-Okeechobee
3261 Us Highway 441 S, Okeechobee, FL 34974 - 44-Plant City
2903 James L Redman Pkwy, Plant City, FL 33566 - Tower Annex
205 S Florida Ave, Lakeland, FL 33801 - 14-South Sebring
3863 Us Highway 27 S, Sebring, FL 33870 - 03-North Sebring
6105 Us Highway 27 N, Sebring, FL 33870 - 29-Central Tampa
3202 W Waters Ave, Tampa, FL 33614 - 33-New Tampa
20401 Bruce B Downs Blvd, Tampa, FL 33647 - 17-Wauchula
1490 Us Highway 17 N, Wauchula, FL 33873 - 11-Spirit Lake
3025 State Road 540 W, Winter Haven, FL 33880 - 04-North Winter Haven
2075 8Th St Nw, Winter Haven, FL 33881 - 12-South Winter Haven
5540 Cypress Gardens Blvd, Winter Haven, FL 33884 - 46-Vero
2800 20Th St, Vero Beach, FL 32960 - 49-Harden
2100 Harden Blvd, Lakeland, FL 33803 - 41-Pinellas Park
4300 Park Blvd N, Pinellas Park, FL 33781 - 48-St Lucie
8351 S Us Highway 1, Port Saint Lucie, FL 34952 - 19-Trinity
7401 State Road 54, New Port Richey, FL 34653 - 18-Kissimmee
1001 Buenaventura Blvd, Kissimmee, FL 34743 - 32-Largo - Walsingham
13075 Walsingham Rd, Largo, FL 33774 - 26-4TH Street St Pete
2646 4Th St N, St Petersburg, FL 33704 - 40-Gulf to Bay
2400 Gulf To Bay Blvd, Clearwater, FL 33765 - 36-Land O' Lakes
23551 Sr 54, Lutz, FL 33559 - 2205 - South Tampa
1112 S Dale Mabry Hwy, Tampa, FL 33629 - 2198-Waterford Lakes
11411 Lake Underhill Rd, Orlando, FL 32825 - 2200-Sandlake
5600 W Sand Lake Rd, Orlando, FL 32819 - 2201-Longwood
1199 Spring Centre South Blvd, Altamonte Springs, FL 32714 - 2206 - Gatlin Blvd
1692 Sw Gatlin Blvd, Port St Lucie, FL 34953
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology