# KEESLER
BILOXI, MS · NCUA charter 5561 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/keesler-5561

Who the members are: federal charter, multiple common bond, organized 1947, low-income designated. 395,107 members of 1,898,734 potential (20.8% of the field); checking penetration 50% (share draft accounts per 100 members); loans per 100 members 43.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $5.24B |
| Members | 395,107 (18.0% YoY) |
| Full-time staff | 930 |
| Net worth | $665.6M |
| Net worth ratio | 12.7% (p79 of band) |
| ROA (annualized) | 0.69% (p49 of band) |
| Total delinquency | 1.10% (p84 of band) |
| Net charge-offs (annualized) | 0.90% (p80 of band) |
| Loans / shares | 89% (p58 of band) |
| Cash / assets | 15.9% |
| Borrowings / assets | 9.75% |
| Net interest margin | 3.67% (p74 of band) |
| Operating expense / assets | 4.00% (p86 of band) |
| Vehicles % of loans | 42% (p81 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 59% |
| Third-party paper % of net worth | 150% (p53 of band) |
| Vehicle delinquency | 0.80% (p67 of band) |
| Vehicle NCO | 1.83% (p81 of band) |
| Repossessed % of vehicle book | 0.18% (p80 of band) |
| Real estate % of loans | 38% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 39% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 26% |
| Average share balance | $5,391 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $69.8M |
| Loans outstanding per 100 members | 43% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $21,277 |
| Loans granted, annualized | $1.28B |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $69.8M outstanding purchased (10.5% of net worth), $92,328 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 20.4% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | net worth falling, 3rd-party paper>100% NW |  |
| 2019-06 | 2 | loans>95% of shares | net worth falling |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | loans>95% of shares |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 3 | delinquency rising |  |
| 2021-12 | 2 |  | delinquency rising |
| 2022-03 | 2 | margin squeeze | net worth falling |
| 2022-06 | 2 | delinquency rising | margin squeeze |
| 2022-09 | 1 |  | delinquency rising |
| 2022-12 | 4 | delinquency rising, assets shrinking, leaning on borrowings |  |
| 2023-03 | 7 | delinquency 2x band, charge-offs p90, loans>95% of shares |  |
| 2023-06 | 6 |  | delinquency 2x band |
| 2023-09 | 5 |  | assets shrinking |
| 2023-12 | 5 |  |  |
| 2024-03 | 4 |  | delinquency rising |
| 2024-06 | 4 |  |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 4 |  |  |
| 2025-03 | 4 | net worth falling | charge-offs p90 |
| 2025-06 | 3 |  | net worth falling |
| 2025-09 | 2 |  | loans>95% of shares |
| 2025-12 | 3 | net worth falling |  |
| 2026-03 | 3 | delinquency rising | net worth falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-09 [Keesler Federal Credit Union ranked top credit union in Mississippi by Forbes - WXXV News 25](https://news.google.com/rss/articles/CBMiowFBVV95cUxQc1hBR0xSeWlzam5mWTkzQXZpZFA5d2YxcW1KNDRLSGZ6UFl0a3h1akZMb2hWS1I0WE9hQ2NmTEJtZ0lTMks5ZzhMb1BaZTFONGlWMk82dnRKRldqdXZMa1Y4b21CeG5hZjNqNHJQQzd1V0xtT1o3SWNKa1V2OFVWTWJsLXpfOHNkVEJzcC13UnV3d0dPSHdJV2NfYW1iX2dOOWtF?oc=5) · WXXV News 25
- 2026-06-03 [Ex-Keesler Credit Union Worker Faces Four Embezzlement Counts - cutoday.info](https://news.google.com/rss/articles/CBMinwFBVV95cUxQaUFRNGU5bGl1TElQUlhxeDIzU2x2NEZuNnFIUkt4M0dxd0tGRjE4eUZkR0s2U2NNV1ZXSXlqX2ZVdll1TDJzRGhoRURVUlFDdVhOU2t3V2ZqMmdPTjJzeGlMN2l5ZUZrVk1MTFBfamdHWnJwLWpMM0toWnpWXzIyQTlEMDBqTXhIS0tmVm84aC1QU2Vsalh6eGx3N1JUbWc?oc=5) · cutoday.info
- 2025-10-03 [Keesler Federal Credit Union announces paycheck relief amid government shutdown - WLOX](https://news.google.com/rss/articles/CBMisgFBVV95cUxOZ0wtZ3czeHRzNjNDOFhJdzlfSlJoc0YtUWpRYVVqajJmTUo2dEhmU1UyWTdyN3Ruek9KcVM1U25xd3JLSzlDMEdiZDlKeXBDd1BVaDNScGRHeHl3STdkbUE4enJMMV9sS1k1UHdSYXBxQ1ZOdmFyOFNMWEtxWDBuMGxPYkRzRGtqdHJqanVKc0djNk9CdV84VjZXV0JFV3B2T2pOOERBUDI2N29jQUF5STVR?oc=5) · WLOX
- 2025-04-24 [Keesler Federal adds two new chiefs - CUInsight](https://news.google.com/rss/articles/CBMiggFBVV95cUxNcGtlb1VTcVVzdjR6amR3YkFMQXFsTGR1X3dodUxBcVlYdGtTTzJqb01ad21WVVJXUG9nMzAyS3FPbU1rcFJuYVRtcklCeHNQS3QtSnlrbTg2Mm9iUnk4UGtUNVNodGpKa3lTWHZPUEY3ZVBHazNrczBlUmk5S2JMYmFR?oc=5) · CUInsight
- 2025-02-11 [Newsweek recognizes Keesler Federal as only Mississippi credit union on list of America's best - SuperTalk Mississippi Media](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOQVlfbmlhZU81Nkw2TXNuVWhUVUVRTTZ2Sm4wR2g5cUpvRW9HV0o4UUdDNGZBVDRzeTFzUkVwM2dQeXAwa3E5Z193b3gtYmVISTBDT0xrTGltUzlKWHlMRi1SQTZ4MDc2MHZWVVN2aktxMnExQzY2MW9ySndPeEhHM1A4QUl4VVFGTEZ4ZHRPd2RLeGc0RzFSQ0t6MUE1QmpwdTdMaXF6XzVVMWg0bEl0Qml1UjNJUmY1eDZr?oc=5) · SuperTalk Mississippi Media
- 2024-11-13 [$5 billion Keesler merger will expand its footprint across the Gulf region. Get details - The Clarion-Ledger](https://news.google.com/rss/articles/CBMi2AFBVV95cUxObUVqVnJ2akgtdGlwTlNPZUFZMGkwcG9YNnA4ZU1QNjFLU0FPcnVUUzV0S29ocWVPN3AyWllmb3hBbFMteHpCWkRfSVJlTGhPY25iY0xwTkczcDdOQnA4Ti0ta0pWdjNDejdNck92Z292N3Q1aWdpNVBsVEFNekdiODlFX21IZ1ZFeEhFNVJKRTVFaElQTFJfYnRhVzJ1ZHhhaGRsU3B2Nk9xcFJwN1MtUWlhNzZjNmZPcHRLNndzb0hTTHhyOGxSc3RvZzk0eFFrTDI0X3dZSUs?oc=5) · The Clarion-Ledger
- 2026-07-10 [Keesler Federal Credit Union launches second “Million Dollar Live Your Way” member giveback - WLBT](https://news.google.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?oc=5) · WLBT
- 2024-12-06 [Keesler Federal and Jefferson Financial Federal Credit Unions Announce Plans for Historic Merger - Mississippi Business Journal](https://news.google.com/rss/articles/CBMixgFBVV95cUxNcTlPUENucEtpNVdBYWZjYm5YTlhIc3dsdjVtS3hyaFdHWmpHWmxfSFZkNFE3WXFWVDhyb3lxb2RwN1MxTTNvX2ZLcWxBRGdrN0UxWjVnVjFQeTVwdDJNSWd6RHM0eklfcmFRNklLeFFfM1h0bjNaYkFCVjNadGlPenFvQVJWdlBaTkRXdUFnYmlENVJQRGdaMGJMSnlka0E5UnNOWExqc01aTl9Pclp4WU9pbTJRQkhXTDhySzdRbHFla3FkUVE?oc=5) · Mississippi Business Journal

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5561 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/57.json (key "5561", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=5561
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide