The street kids themselves would be main characters. They could be a diverse group with different personalities and backstories. There might also be Naruto's friends like Sakura and Kakashi who could play important roles. Sakura could help with the kids' medical needs, and Kakashi could offer his wisdom in training the kids.
Obviously, the street kids are key characters. Maybe there's a tough - looking kid who's actually really kind-hearted once you get to know him. And there could be a shy girl among them. As for other main characters, Iruka sensei might be involved. He could assist Naruto in teaching the kids the basics of ninja life. And then there's also Hinata. She might befriend the kids and help them feel more at home in the village.
The main characters aside from Naruto would surely be the street kids. There could be an older boy who acts as a leader among the kids and is initially skeptical of Naruto's intentions. There could also be a pair of siblings in the group. Additionally, characters like Jiraiya could make an appearance. He might give Naruto some advice on how to raise the kids, based on his own experiences with Naruto when he was younger.
The plot could involve Naruto finding street kids in Konoha. He might see their struggles and be reminded of his own lonely childhood. So, he decides to take them in. He could teach them ninja skills and the values of friendship and hard work.
Sasuke could be one of the main characters. He might be initially skeptical or even hostile towards Naruto's mermaid side, but as the story unfolds, he could come to understand and support Naruto. Another character could be Sakura. She could use her medical ninjutsu skills to help Naruto if he gets injured during his underwater adventures.
Samul, of course, since he's Naruto's supposed father in this fanfic. He could be a powerful ninja who had some great influence in the past. Another character could be Naruto's mother, who might have a different story now considering her relationship with Samul. Also, characters like Jiraiya could still play an important role. He might be the one to guide Naruto in understanding his new identity as Samul's son and help him train to face the challenges that come with it.
Hinata is also a likely main character. In the original story, Hinata has a crush on Naruto. With Naruto being a smooth operator, he might notice Hinata's feelings more easily and their relationship could develop in a more romantic and interesting way. Kakashi could also be involved. Naruto could use his smoothness to learn new jutsu from Kakashi more effectively or to get Kakashi to trust him with more important missions.
Iruka - sensei is a character that can show up. Since he was important in Naruto's life, he could play a role in the girl's upbringing too. He might help with her education in the ninja academy. Also, the Akatsuki members could be antagonists in some stories. Their actions might force Naruto to protect the girl more fiercely, and this would drive the plot forward as Naruto battles against them to keep the girl safe.
Sasuke often appears. Since he is Naruto's rival and friend, his relationship with Naruto might be affected by the Kyuubi's influence on Naruto. Kakashi could also be there, as Naruto's teacher, he might notice the changes in Naruto due to the Kyuubi's new role in his life.
Obviously, Mikoto and Naruto are the main characters. Mikoto is the one doing the adopting, and Naruto is the one being adopted.
Sakura could be a main character. She might be the one who takes on a motherly role towards baby Naruto. She'd be very protective and try to teach him basic things. Kakashi could also be important. He'd use his wisdom to figure out how to deal with this situation and also keep an eye on Naruto's safety.
Sakura could be a main character. Since it's Naruto returning to Konoha, Sakura, being his friend and a strong ninja in her own right, might play a big role. Maybe she's the one who first welcomes Naruto back and they team up to face any threats.
Urahara Kisuke would be a great addition. His mysterious nature and vast knowledge could either help or hinder Naruto. Yoruichi could also be a main character. Her cat - like abilities and combat skills would make for some exciting interactions with Naruto. She could teach Naruto some new moves or they could team up against a common enemy.