Keesler Federal Credit Union Biloxi, Mississippi
Keesler Federal Credit Union is a federal credit union headquartered in Biloxi, MS, established in 1947 (NCUA charter 5561), and it is regulated and insured by the NCUA. At Q2 2026 it reported 397,213 members and total assets of $5.30B (up 21.8% from Q2 2025), the largest of 52 credit unions headquartered in Mississippi. Its net worth ratio was 12.81% at Q2 2026, in the well capitalized band.
Also written as Keesler FCU
BankRegReports is independent of Keesler Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 5561
- Headquarters
- Biloxi, MS
- Established
- 1947
- Total assets, Q2 2026
- $5.30B
- Assets vs Q2 2025
- +21.8%
- Members, Q2 2026
- 397,213
- Net worth ratio, Q2 2026
- 12.81%
- Latest call report
- Q2 2026, NCUA 5300 · Keesler Federal Credit Union call report
- Asset rank in state
- 1st of 52 in Mississippi
- Routing number
- 265577585
- Branches
- 57
It has 58,628 more members than on June 30, 2025 (+17.3%). Its net worth ratio was down 0.84 percentage points from 13.65% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $1.41B of $3.65B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.04% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 12.81% net worth ratio is above that band's 10.89% median.
Credit unions similar in size in Mississippi
Credit unions merged into Keesler Federal Credit Union
Jefferson Financial Federal Credit Union (2025) · Mississippi Farm Bureau Employees Federal Credit Union (2020) · Junior College Federal Credit Union (2018) · Wesley Health Systems Federal Credit Union (2015) · Mississippi Department of Transportation Federal Credit Union (2014)
Frequently asked about Keesler Federal Credit Union
How big is Keesler Federal Credit Union?
At Q2 2026 it reported total assets of $5.30B and 397,213 members.
Where is Keesler Federal Credit Union headquartered?
It is headquartered in Biloxi, MS, United States.
When was Keesler Federal Credit Union founded?
It was established in 1947, per NCUA records.
Is Keesler Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 5561): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Keesler Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Keesler Federal Credit Union well capitalized?
Its net worth ratio was 12.81% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Keesler Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.04% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Keesler Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 89.91% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Biloxi, MS 39531
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1947
- NCUA Charter #
- 5561
- RSSD ID
- 621571
- Members
- 397,213
- Potential members
- 2,240,346
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 12.81% | 10.89% | 76th top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.01% | 0.89% | 58th above |
| Return on equity Middle half of peers: 5.37% to 10.92% | 7.87% | 8.07% | 48th below |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.78% | 3.45% | 73rd above |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 72.60% | 70.59% | 42nd below |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.48% | 1.68% | 66th above |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 1.04% | 0.68% | 26th below |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.26% | 5.12% | 60th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 89.91% | 88.03% | 57th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$5.30B total assets against $4.35B; $4.06B total shares and deposits against $3.35B; $3.65B total loans against $3.22B.
$679.0M net worth against $596.5M.
12.81% net worth ratio against 13.65%.
89.91% loan-to-share ratio against 96.02%.
1.04% delinquency ratio against 0.76%.
1.01% return on assets against 0.96%; 7.87% return on equity against 6.98%.
3.78% net interest margin against 3.90%.
397,213 members against 338,585.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.81% | 1.01% | 1.04% | 89.91% |
| March 31, 2026 | 12.70% | 0.69% | 1.10% | 89.08% |
| December 31, 2025 | 12.37% | 1.04% | 0.92% | 91.32% |
| September 30, 2025 | 12.79% | 0.72% | 0.78% | 93.45% |
| June 30, 2025 | 13.65% | 0.96% | 0.76% | 96.02% |
| March 31, 2025 | 13.48% | 1.43% | 0.73% | 95.34% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.