# MIDFLORIDA
Lakeland, FL · NCUA charter 68600 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/midflorida-68600

Who the members are: state charter, organized 1954, low-income designated. 493,840 members of 10,772,488 potential (4.6% of the field); checking penetration 76% (share draft accounts per 100 members); loans per 100 members 72.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $9.82B |
| Members | 493,840 (2.3% YoY) |
| Full-time staff | 1358 |
| Net worth | $1.01B |
| Net worth ratio | 10.3% (p41 of band) |
| ROA (annualized) | 1.24% (p84 of band) |
| Total delinquency | 0.35% (p20 of band) |
| Net charge-offs (annualized) | 0.42% (p39 of band) |
| Loans / shares | 90% (p63 of band) |
| Cash / assets | 6.8% |
| Borrowings / assets | 0.42% |
| Net interest margin | 3.04% (p32 of band) |
| Operating expense / assets | 2.57% (p19 of band) |
| Vehicles % of loans | 34% (p66 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 91% |
| Third-party paper % of net worth | 258% (p78 of band) |
| Vehicle delinquency | 0.57% (p50 of band) |
| Vehicle NCO | 1.03% (p52 of band) |
| Repossessed % of vehicle book | 0.10% (p60 of band) |
| Real estate % of loans | 38% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 195% |
| Core shares % of member funds | 40% |
| Certificates % of member funds | 19% |
| Average share balance | $6,430 |
| Participations bought / yr | $23.9M |
| Participations sold / yr | $0 |
| Participations outstanding | $398.7M |
| Loans outstanding per 100 members | 72% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $21,895 |
| Loans granted, annualized | $2.46B |

## Participation posture (from the same filings)

Bought $23.9M and sold $0 in the latest annualized quarter; $398.7M outstanding purchased (39.3% of net worth), $10.8M sold and retained. Sold in 1 and bought in 8 of the last 8 quarters. Shares 17.8% year over year.

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | leaning on borrowings, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 | net worth falling | leaning on borrowings |
| 2018-06 | 1 |  | net worth falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 3 | thin capital |  |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 1 |  | thin capital |
| 2021-03 | 2 | thin capital |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | thin capital |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | delinquency rising |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | delinquency rising |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-15 [MIDFLORIDA opens a new branch at a prime busy intersection - Gulfshore Business](https://news.google.com/rss/articles/CBMi4gFBVV95cUxPaXFXbUlNWmp2UG5hZkpQcGtoQjk4a0g2TVFBR0pQOW5SVW5vdzFUTWx0YXdDbUU3ajlvdGhRLU9uSGlVNnZaUWltcUpsbzFCOG1qUTExcy1HcUtCM2QtQ1NkNmFCbkNDdFpQaVBYakZ5R1ZmbDNMaVd6ZEpWb09xM2s3NUlGMWprVEM3N1dXZDBaSDI4VTdNTzljWnVEcWx3U1lRSUZSM1YyYWVOT1RNWWprMFpENTlTN3pSVTNHbHhkMzdKZDdoUDRqVTJORjlabDd3RDYwZmw3TXN0SXAtOUhn?oc=5) · Gulfshore Business
- 2026-03-19 [Marion County bomb scare ends after suspicious package deemed safe - WCJB](https://news.google.com/rss/articles/CBMioAFBVV95cUxPa3dRcmtRWkN0MWdZRGVCWC0yMWx3eHhTTEM1cWphbkFZTVZQSWo3TENaVExrYy1jcWx3enhuaTNxZHlROHM4TFd0QmVoWkFWb1ZnUUl3QmRwbkxVNEQ4LVVrZHRHRkMxd3lCNFh5RWE2dnc2V1FlalB1OEJsbDlGOGJzbVhUbGl2NmdCdUVCZGkzVWVjVTJzQ0d0cGp3VTA50gG0AUFVX3lxTE1mN0psemlMdDJfaDdXNTlpS2ppS2pGMEgzOHN0dFZJR09fZUg4TEtLb1NtRGItQWZYZjJveTMweUFiRVM4MDJ1ZkdmeUwwVkZjb3hsOVF2c05hRXBDT3FSV3VFTWZoOVBLNjB3M0V3aFkyRkQtTDIybmE5VWIwRDNZbi1TVTVHdldnWEEzcEtEaXB0b1JXX2RkUFJPVW03Ym43cElERlVDc2Q4cnFPR1V6alQ3Rw?oc=5) · WCJB
- 2025-04-23 [MidFlorida Credit Union buys Tallahassee bank - Banking Dive](https://news.google.com/rss/articles/CBMinAFBVV95cUxPNVFsczhvRGFKNm9vUnM4QUJmSkFGdDhyNGFSZmwxMUxCZUotb2hoNkxGYnVyVTZGX2lnYVh1X0pET3RHNExuUi1pcjF5VWdCWWFLTGxXOEtnanBiWW5QU1F2d0EyZUVuVHFYSk4zWFNCbTF3cU91T0tFa3AxYkh6ZjNTazE5SGVtYkt5UXRMdkNFLVRlVW9wejZpTkY?oc=5) · Banking Dive
- 2026-06-04 [As summer concerts arrive, Tampa’s outdoor amphitheater still needs a roof - Tampa Bay Times](https://news.google.com/rss/articles/CBMijgJBVV95cUxNYkNuNUktSDZzazZqT1VLQkdTQldGRnUzU0lFV2laVWpNYmEzN3Ntc3laWHAyTTN0aWZWOVc1VHQzc0NkbVlLVEhYeHpIUHN1Z1VxeHdpajlYZHFya1BWXzRPYUVScXFGQkVybVpzbWMxUS10TGVydlJ3cG1FMlJ4dVpPcDlwMFNNUDJvTWtMWHk2dXg3cjRjSzRXX2xycHVKUy1UdE1wUnk2Nno4Uk5LNGRJU09tZjFlRTktYnlCSWl1Y1EwQjhBODNaOXZmY3ktdnhUeG1vb0xUWjk3eE42b1FSVFhHZjAxZzRnNjk4M0NHbC1Cb0dsOTNnTEVEUy1RUnFuZkx5THJwenQ2RHc?oc=5) · Tampa Bay Times
- 2026-06-15 [What to Know for Evanescence: 2026 World Tour Setlist - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiX0FVX3lxTFBuTTN6MkU3Z0oxU0tnRnpPVlJBR3JaTXd5UEpUbDdTWjhmeTdaNUV6UkFUSVhMYXU2N2J2R21nb2NHemZoMUdTUTZNbGtiQ1FCTVpLdFRuMVJERXpwaW1j?oc=5) · Ticketmaster Blog
- 2026-03-23 [Salt-N-Pepa and TLC Announce Joint Tour With En Vogue - okayplayer.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxOYlAtUzRPZE5xTGpLSF9aUXdLN0dRWE1uQUdLTVpSc3NERzhGY29kUk9feXppQ0dteHprYWNxR0ZsbDdmMXhUZ1g3MWJWZm5Wd04tcW9UN005eWhrb3BTZmJFX0VtRzZNVDNJalZwWGwxZWxMNXByX2tfaktWdDRCdlB1VTVmUGNMMHdPTXZTOGdvQQ?oc=5) · okayplayer.com
- 2026-01-27 [Dave Matthews Band Announce Summer Tour - Jambands](https://news.google.com/rss/articles/CBMigwFBVV95cUxPV0ZFZWI2R2xSakx1b1VaMG5GY3RUQlJxeGdXMGNlaUhrX2tNa2pRazVuY1lJY0ppUFBGVlFFZmwyVkp6N3p4QTlZaEdPMVU4aUswTGxLQ0hpNm9yWENCMnZwdExra1VrcjFNZmE4VE9ZakxaQzZpekhWYUJ4R1V2YmRYOA?oc=5) · Jambands
- 2026-06-02 [The Black Crowes Clash With Tampa Crowd Over ‘U.S.A.’ Chants - JamBase](https://news.google.com/rss/articles/CBMihgFBVV95cUxPLVJCb29OUnZNdEVkOUJ1ajR3cVFUT2lWbEhjejdTdHNfcGxuWTNsbzh5amktSmxfUzJkWkw3YnI1c2NfcmhZellRNDI5dmktV2M0MXRUb3Y5RlBBdmotRHEtNWk1cjNkTWFyMEloWTJ6bzUzNFBZOUJWREZ4NmRKV25SUFpudw?oc=5) · JamBase

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68600 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/56.json (key "68600", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=68600
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide