Keesler Credit Union

Keesler Credit Union is headquartered in Biloxi and is the largest credit union in the state of Mississippi. It is also the 64^th largest credit union in the nation. It was established in 1947 and as of December of 2011, it had grown to 401 employees and 187,866 members. Keesler Credit Union's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

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Data for Q4 2011

Institution Statistics KEESLER NCUA # 5561 BankRate Report View Year Chartered 1947 Employees 401 Primary Regulator Assets and Liabilities Assets $1.96 billion Loans $894.78 million Deposits $1.71 billion Equity Capital $223.16 million Loan Loss Allowance $12.58 million Unbacked Noncurrent Loans $7.10 million Real Estate Owned $2.60 million Historic Data - December 2010 Assets $1.89 billion Equity Capital $195.57 million Loan Loss Allowance $16.79 million Unbacked Noncurrent Loans $6.38 million Real Estate Owned $2.25 million Profit Margin - Quarterly Net Interest Margin 4.81% Return on Assets 1.33% Return on Equity 11.72% Interest Income $67.42 million Non-Interest Income $24.85 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Keesler Credit Union had $9.7 million in non-current loans and owned real-estate with $235.75 million in equity and loan loss allowances on hand to cover it. This gives Keesler Credit Union a Texas Ratio of 4.12% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Keesler Credit Union held steady from 4.06% as of December 31, 2010 to 4.12% as of December 31, 2011, resulting in a negative change of 1.26%. This indicates that the balance sheet and financial strength for Keesler Credit Union has held steady in recent periods. Deposit Growth In the past year, Keesler Credit Union has increased its total deposits by $44.38 million, resulting in 2.67% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Keesler Credit Union has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Keesler Credit Union has $1.96 billion in assets with $235.75 million in equity, resulting in a capitalization level of 12.01%, which is excellent.

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