Midflorida Credit Union (68600), a $8.8B credit union headquartered in Lakeland, FL, led by CEO Moseley, reported 487,218 members at the end of 2025 Q3, an increase of 15,015 members (+3.2%) compared to the same quarter last year.
Strong membership growth indicates successful community engagement, competitive products, and effective marketing—key drivers of long-term franchise value.
Per-Member Economics
Midflorida Credit Union's 487,218 members maintain an average of $15K in deposits and $14K in loans. Per-member balances growing faster than membership indicates deepening wallet share—a positive sign for member engagement.
Membership Trends
Consistent quarterly member additions demonstrate sustainable acquisition momentum.
Quarterly Membership Trend
| Period | Members | QoQ Change | Assets/Member |
|---|---|---|---|
| 2024 Q2 | 468,236 | $17K | |
| 2024 Q3 | 472,203 | +0.8% | $17K |
| 2024 Q4 | 476,720 | +1.0% | $17K |
| 2025 Q1 | 482,657 | +1.2% | $18K |
| 2025 Q2 | 485,017 | +0.5% | $18K |
| 2025 Q3 | 487,218 | +0.5% | $18K |
Source: NCUA 5300 Call Reports
Field of Membership Penetration
Midflorida Credit Union has a defined field of membership comprising 10,682,297 potential members. With 487,218 current members, the credit union achieves a 4.6% penetration rate, representing significant untapped growth potential.
Peer Comparison
Among 92 credit unions in its $4.4B–$13.2B asset peer group, Midflorida Credit Union ranks in the 52nd percentile for membership growth.
Outlook
With positive membership momentum, Midflorida Credit Union is positioned to leverage its growing base for cross-selling opportunities and deposit gathering. Key factors to watch include member retention rates, new member activation, and competitive dynamics in FL.
Midflorida Credit Union's Q4 2025 results, expected in early 2026, will provide further insight into whether membership growth can accelerate.
Track This Credit Union
Monitor Midflorida Credit Union's quarterly membership trends, per-member economics, and engagement metrics with Finleet Terminal.
Data Sources: NCUA 5300 Call Reports (2025_Q3), NCUA Historical Data (2007-present), Finleet Proprietary Analysis
Methodology: Year-over-year growth calculated comparing 2025_Q3 to same quarter prior year. Peer groups defined as credit unions within 50% asset range. Per-member metrics calculated by dividing totals by member count.