Sep, 30, 2025 — MIDFLORIDA CREDIT UNION is a federally insured state chartered credit union headquartered in LAKELAND, FL with 64 branch locations and about $8.77 billion in total assets. Opened 72 years ago in 1954, MIDFLORIDA CREDIT UNION has about 487,218 members and employs 1,468 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | MIDFLORIDA CREDIT UNION |
|---|---|
| Address: (Main Office) | 129 S Kentucky Ave LAKELAND, FL 33801 |
| Phone: | (863) 688-3733 |
| Fax: | |
| Website: | https://www.midflorida.com |
| Branches: | 64 branch locations |
| Members: | 487,218 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 68600 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1954 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $8,767,241,458 |
| CEO/Manager: | Steve S Moseley |
| Chairperson: | Chester A Brojek |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 772,433,373 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 11,592,549 |
| Real Estate Loans | 4,053,669,982 |
| Unsecured Loans | 210,482,316 |
| Other Loans | 2,642,212,691 |
| TOTAL LOANS | 6,910,724,420 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -83,791,392 |
| Land And Building | 199,508,216 |
| Other Fixed Assets | 47,943,313 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 62,627,345 |
| All Other Assets | 3,408,623 |
| TOTAL ASSETS | 8,767,241,458 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 397,909 |
| Notes & Interest Payable | 259,800,000 |
| Accounts Payable & Other Liabilities | 80,776,801 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 1,938,396,468 |
| Regular shares | 1,271,103,380 |
| All Other Shares & Deposits | 4,275,420,197 |
| TOTAL SHARES & DEPOSITS | 7,484,920,046 |
| TOTAL LIABILITIES | 7,825,894,756 |
| Regular Reserve | 0 |
| Other Reserves | 3,687,386 |
| Undivided Earnings | 937,659,316 |
| TOTAL EQUITY | 941,346,702 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 8,767,241,458 |
| INCOME & EXPENSE | |
| Loan Income | 281,890,858 |
| Investment Income | 35,239,369 |
| Other Income | 37,855,423 |
| Total Employee Compensation & Benefits | 96,589,334 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 83,135,413 |
| Non-operating Income & (Expense) | 94,532 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 32,000,000 |
| Cost of Funds | 110,667,264 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 92,094,241 |
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