Keesler Federal Credit Union
Total assets
$5.24B
▲ +21.1% YoY
Shares & deposits
$4.03B
▲ +20.4% YoY
Loans
$3.59B
▲ +12.5% YoY
Members
395,107
▲ +18.0% YoY
ROA (annualized)
0.69%
peers 0.71%
ROE (annualized)
5.42%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +21.1% | +5.1% | +16.0 pts |
| Share growth (YoY) | +20.4% | +4.9% | +15.5 pts |
| Loan growth (YoY) | +12.5% | +5.4% | +7.0 pts |
| ROA | 0.69% | 0.71% | -0.0 pts |
| ROE | 5.4% | 6.3% | -0.9 pts |
ROA ranks in the 49th percentile of its peer group · Q1 2026
Profile
- Established
- 1947
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- P O Box 7001, Biloxi, MS, 39534
- NCUA charter #
- 5561
- RSSD ID
- 621571
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.24B | $4.03B | $3.59B | $665.6M | $9.0M | 0.69% | 3.67% | 1.10% | 395,107 |
| Q4 2025 | $5.16B | $3.96B | $3.62B | $638.6M | $48.5M | 0.94% | 3.50% | 0.92% | 385,256 |
| Q3 2025 | $5.07B | $3.87B | $3.62B | $650.7M | $35.0M | 0.92% | 3.46% | 0.78% | 382,513 |
| Q2 2025 | $4.35B | $3.35B | $3.22B | $596.5M | $25.8M | 1.19% | 3.76% | 0.76% | 338,585 |
| Q1 2025 | $4.33B | $3.35B | $3.19B | $586.1M | $15.4M | 1.43% | 3.63% | 0.73% | 334,770 |
| Q4 2024 | $4.20B | $3.24B | $3.17B | $570.7M | $41.2M | 0.98% | 3.60% | 0.85% | 330,541 |
| Q3 2024 | $4.13B | $3.16B | $3.14B | $580.3M | $31.8M | 1.03% | 3.64% | 0.83% | 327,342 |
| Q2 2024 | $4.10B | $3.14B | $3.10B | $570.3M | $21.8M | 1.06% | 3.60% | 0.88% | 324,400 |
Loan mix (Q1 2026): real estate $1.38B · commercial $256.6M · consumer $1.78B · securities $659.3M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 0.71% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 5.4% | 6.3% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.32% | 74th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.4% | 73.0% | 59th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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