TellerScore

Keesler Federal Credit Union is a federal credit union headquartered in Biloxi, Mississippi, in business for about 79 years. At the end of Q2 2026 it reported $5.3B in total assets and $4.1B in member shares and deposits, with 11 offices.

Keesler Federal Credit Union has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than 58% of its 454 credit unions with $1 billion – $10 billion. Among 55 credit unions headquartered in Mississippi, it ranks 31st. Problem-loan coverage contributes the most (87/100, 6.7%); earnings contributes the least (54/100, 0.84%).

TellerScore · Q2 2026

Scorecard

Capital cushion78/100
Net worth ratio: 12.81%
Loan quality65/100
Loans 60+ days delinquent ÷ total loans: 1.04%
Earnings54/100
Return on assets (annualized): 0.84%
Funding & liquidity70/100
Loans ÷ shares: 89.9% · 7.0% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.67%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 7 points (77 → 70), mostly because the earnings component weakened by 13 points.

TellerScore
687479Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202475
Q4 202474
Q1 202579
Q2 202577
Q3 202572
Q4 202570
Q1 202668
Q2 202670
Net worth ratio
7.00%10.47%13.94%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.78%
Q3 202413.94%
Q4 202413.51%
Q1 202513.48%
Q2 202513.65%
Q3 202512.79%
Q4 202512.37%
Q1 202612.70%
Q2 202612.81%
Delinquent loans (60+ days)
0.73%0.92%1.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.88%
Q3 20240.83%
Q4 20240.85%
Q1 20250.73%
Q2 20250.76%
Q3 20250.78%
Q4 20250.92%
Q1 20261.10%
Q2 20261.04%
Return on assets
0.69%1.06%1.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.06%
Q3 20241.03%
Q4 20240.98%
Q1 20251.43%
Q2 20251.19%
Q3 20250.92%
Q4 20250.94%
Q1 20260.69%
Q2 20260.84%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$5.3B12.81%1.04%0.84%89.9%
Q1 202668$5.2B12.70%1.10%0.69%89.1%
Q4 202570$5.2B12.37%0.92%0.94%91.3%
Q3 202572$5.1B12.79%0.78%0.92%93.5%
Q2 202577$4.4B13.65%0.76%1.19%96.0%
Q1 202579$4.3B13.48%0.73%1.43%95.3%
Q4 202474$4.2B13.51%0.85%0.98%97.6%
Q3 202475$4.1B13.94%0.83%1.03%99.4%
Q2 202475$4.1B13.78%0.88%1.06%98.7%

454 peers · $1 billion – $10 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.81%
77th
Problem loans1.04%
25th
Net charge-offs0.79%
24th
Return on assets0.84%
54th
Loans to deposits89.9%
44th
Uninsured deposits7.0%
71st
Loan-loss reserves0.00%
50th
Texas ratio6.7%
30th

Deposit insurance

Is my money safe at Keesler Federal Credit Union?

Yes. Keesler Federal Credit Union is a federally insured credit union (NCUA charter #5561). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 7.0% of shares and deposits ($284.3M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 12.81%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

11 locations

Branches

Keesler Federal Credit Union lists 11 offices in 10 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Keesler Federal Credit Union
Type
Federal credit union
NCUA charter #
5561
RSSD ID
621571
Primary regulator
NCUA
Established
1947
Headquarters
P O Box 7001, Biloxi, MS 39534
Employees
944

Quick answers

Keesler Federal Credit Union: common questions

Is Keesler Federal Credit Union NCUA insured?

Yes. Keesler Federal Credit Union is a federally insured credit union (NCUA charter #5561). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Keesler Federal Credit Union's TellerScore?

70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Keesler Federal Credit Union have?

11 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Biloxi

InstitutionScoreAssetsCapitalProblem loansCompare
Navigator Federal Credit UnionCredit union Pascagoula, MS90 out of 100, Very strong$406.7M18.0%0.38%vs
Sunbelt Federal Credit UnionCredit union Hattiesburg, MS85 out of 100, Very strong$366.4M16.2%0.39%vs
Memorial Federal Credit UnionCredit union Gulfport, MS84 out of 100, Strong$5.9M38.3%0.16%vs
Southern Energy Credit UnionCredit union Birmingham, AL84 out of 100, Strong$3.6B14.6%0.23%vs
Biloxi Teachers Federal Credit UnionCredit union Biloxi, MS83 out of 100, Strong$12.1M11.9%0.25%vs
The Peoples Bank, Biloxi, MississippiBank Biloxi, MS82 out of 100, Strong$770.7M15.2%0.18%vs