Credit Union Safety Analysis
Is Keesler Federal Credit Union Safe? Biloxi, Mississippi
Based on its Q2 2026 NCUA 5300 call report, Keesler Federal Credit Union has a net worth ratio of 12.81%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.04%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Keesler Federal Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Keesler Federal Credit Union's net worth ratio is 12.81%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.81%
- Delinquency ratio (60+ days) (Q2 2026): 1.04%
- Return on assets (Q2 2026): 1.01%
- Loan-to-share ratio (Q2 2026): 89.91%
Keesler Federal Credit Union (NCUA charter 5561, established 1947) reported $5.30B in assets and 397,213 members for Q2 2026 from Biloxi, Mississippi. It is the largest of 52 credit unions in Mississippi by total assets. Total assets grew 21.8% from $4.35B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 12.70% for Q1 2026; 13.65% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 1.10% for Q1 2026; 0.76% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.69% for Q1 2026; 0.96% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 89.08% for Q1 2026; 96.02% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $1.41B
- Used vehicle loans: $926.6M
- New vehicle loans: $637.0M
- Commercial loans: $250.2M
- Other secured non-real estate loans and lines of credit: $170.8M
- Unsecured credit card loans: $147.3M
- Other unsecured loans and lines of credit: $107.5M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $5.30B | 12.81% | 1.04% | 1.01% | 89.91% |
| March 31, 2026 | $5.24B | 12.70% | 1.10% | 0.69% | 89.08% |
| December 31, 2025 | $5.16B | 12.37% | 0.92% | 1.04% | 91.32% |
| September 30, 2025 | $5.07B | 12.79% | 0.78% | 0.72% | 93.45% |
| June 30, 2025 | $4.35B | 13.65% | 0.76% | 0.96% | 96.02% |
| March 31, 2025 | $4.33B | 13.48% | 0.73% | 1.43% | 95.34% |
Add this badge to your website
Free to use. It shows Keesler Federal Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Keesler Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 5561) · FFIEC NIC profile (RSSD 621571)
Frequently asked questions
Is Keesler Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Keesler Federal Credit Union's net worth ratio is 12.81%, above the 7% NCUA threshold for well capitalized.
Is Keesler Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Keesler Federal Credit Union is a federally insured credit union (NCUA charter 5561): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Keesler Federal Credit Union's key safety ratios?
For Q2 2026, Keesler Federal Credit Union reports net worth 12.81%, delinquency 1.04%, ROA 1.01%, loan-to-share 89.91%.
What happens to my money if Keesler Federal Credit Union fails?
For Q2 2026, Keesler Federal Credit Union held $4.06B in shares and deposits for 397,213 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.