MIDFLORIDA

Charter #68600 | FL

7B-10B (30 CUs) Large (64 CUs)
2 7B-10B in FL

MIDFLORIDA has 8 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 3.4% in tier
  • + Wallet Share Momentum: Top 8.5% in tier
  • + Organic Growth Engine: Top 13.5% in tier
  • + ROA 0.38% above tier average
  • + Net Interest Margin 0.16% above tier average
  • + Deposit Growth Rate: Top 3.3% in tier
  • + Asset Growth Rate: Top 6.7% in tier
  • + AMR Growth Rate: Top 10.0% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 2.0% in tier
  • - Liquidity Strain: Bottom 24.7% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Members 487,218
+3.2% YoY+0.5% QoQ
 +27.9K 459,296
+3.8% YoY
 69,671
+4.3% YoY
 33,089
+6.1% YoY
 57th in tier
Assets $8.8B
+9.0% YoY+1.3% QoQ
 $-154.2M $8.9B
+1.2% YoY
 $1.1B
+3.8% YoY
 $547.7M
+7.8% YoY
 33rd in tier
Loans $6.9B
+9.8% YoY+0.3% QoQ
 +$569.5M $6.3B
+2.9% YoY
 $773.4M
+7.4% YoY
 $388.7M
+8.6% YoY
 63rd in tier
Deposits $7.5B
+9.2% YoY+1.1% QoQ
 +$31.3M $7.5B
+2.3% YoY
 $908.2M
+6.5% YoY
 $464.6M
+9.3% YoY
 47th in tier
ROA 1.4%
+2.3% YoY+4.0% QoQ
 +0.4% 1.0%
+22.1% YoY
 0.6%
+15.9% YoY
 0.7%
+273.4% YoY
 73rd in tier
NIM 3.2%
+6.1% YoY+1.7% QoQ
 +0.2% 3.0%
+11.5% YoY
 3.6%
+6.7% YoY
 3.7%
+5.0% YoY
 57th in tier
Efficiency Ratio 59.2%
-1.2% YoY-1.3% QoQ
 -4.6% 63.7%
-2.2% YoY
 79.0%
+0.0% YoY
 79.1%
-3.3% YoY
 30th in tier
Delinquency Rate 0.3%
-12.6% YoY-2.0% QoQ
 -0.3 0.7%
+10.8% YoY
 0.7%
+3.1% YoY
 1.2%
-0.9% YoY
 Bottom 20.0% in tier
Loan To Share 92.3%
+0.6% YoY-0.7% QoQ
 +6.9% 85.4%
+0.7% YoY
 71.2%
+0.4% YoY
 68.0%
-1.7% YoY
 60th in tier
AMR $29,547
+6.1% YoY+0.3% QoQ
 $-4K $33,660
-2.9% YoY
 $22,283
+3.7% YoY
 $19,418
+1.3% YoY
 50th in tier
CD Concentration 22.5%
-1.2% YoY+3.4% QoQ
 -6.4% 28.9%
-1.3% YoY
 23.4%
+4.5% YoY
 19.6%
+6.2% YoY
 Bottom 23.4% in tier
Indirect Auto % 33.7%
-7.8% YoY-2.4% QoQ
 +17.1% 16.6%
-10.3% YoY
 10.9%
-1.4% YoY
 7.9%
-2.9% YoY
 Top 10.9% in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#5 of 46 • Top 3.4% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 6.12%
(Tier: 2.82%, National: 4.19%)
better than tier avg
Share Draft per Member: $4.0K
(Tier: $3.2K, National: $2.0K)
better than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY

Wallet Share Momentum

growth
#11 of 46 • Top 8.5% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 6.12%
(Tier: 2.82%, National: 4.19%)
better than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | Rank worsening

Organic Growth Engine

growth
#21 of 50 • Top 13.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.18%
(Tier: 3.07%, National: 9.37%)
better than tier avg
Return on Assets: 1.41%
(Tier: 0.91%, National: 0.71%)
better than tier avg
Indirect Auto %: 33.69%
(Tier: 16.60%, National: 7.90%)
but worse than tier avg
50 of 64 Large CUs have this signature | 917 nationally
→ Stable (52→50 CUs) -2 CUs YoY

Concerns (2)

Indirect Auto Dependency

risk
#3 of 33 • Bottom 2.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 9.04%
(Tier: 4.60%, National: 3.04%)
but better than tier avg
Indirect Auto %: 33.69%
(Tier: 16.60%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 3.18%
(Tier: 3.07%, National: 9.37%)
but better than tier avg
33 of 64 Large CUs have this signature | 768 nationally
→ Stable (34→33 CUs) -1 CUs YoY | Rank improving

Liquidity Strain

risk
#22 of 32 • Bottom 24.7% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 92.33%
(Tier: 84.48%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 9.84%
(Tier: 4.99%, National: 36.38%)
but better than tier avg
32 of 64 Large CUs have this signature | 484 nationally
→ Stable (27→32 CUs) +5 CUs YoY | Rank improving

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 30 peers in tier

Top Strengths (7 metrics)

2
Deposit Growth Rate
growth
Value: 9.19%
Peer Avg: 4.48%
#2 of 30 Top 3.3% in 7B-10B tier
3
Asset Growth Rate
growth
Value: 9.04%
Peer Avg: 2.91%
#3 of 30 Top 6.7% in 7B-10B tier
4
AMR Growth Rate
growth
Value: 6.12%
Peer Avg: 1.77%
#4 of 30 Top 10.0% in 7B-10B tier
5
Fee Income Per Member
profitability
Value: $266.43
Peer Avg: $199.46
#5 of 30 Top 13.3% in 7B-10B tier
6
Loan Growth Rate
growth
Value: 9.84%
Peer Avg: 3.91%
#6 of 30 Top 16.7% in 7B-10B tier
7
Total Delinquency Rate (60+ days)
risk
Value: 0.34%
Peer Avg: 0.67%
#7 of 30 Top 20.0% in 7B-10B tier
8
Return on Assets (ROA)
profitability
Value: 1.41%
Peer Avg: 1.03%
#8 of 30 Top 23.3% in 7B-10B tier

Top Weaknesses (2 metrics)

27
Indirect Auto Concentration (%)
balance_sheet
Value: 33.69%
Peer Avg: 18.85%
#27 of 30 Bottom 13.3% in 7B-10B tier
26
Members Per Employee (MPE)
engagement
Value: 331.892
Peer Avg: 450.512
#26 of 30 Bottom 16.7% in 7B-10B tier