KEESLER

Charter #5561 | MS

5B-7B (34 CUs) Large (64 CUs)
1 5B-7B in MS

KEESLER has 11 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 0.0% in tier
  • + Organic Growth Engine: Top 3.4% in tier
  • + Wallet Share Momentum: Top 32.5% in tier
  • + Relationship Depth Leader: Top 37.6% in tier
  • + ROA 0.19% above tier average
  • + Net Interest Margin 0.82% above tier average
  • + Strong member growth: 16.9% YoY
  • + Member Growth Rate: Top 0.0% in tier
  • + Asset Growth Rate: Top 0.0% in tier
  • + Deposit Growth Rate: Top 0.0% in tier
  • + Loan Growth Rate: Top 5.9% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 9.1% in tier
  • - Liquidity Strain: Bottom 17.7% in tier
  • - Liquidity Overhang: Bottom 38.2% in tier
  • - Efficiency ratio 1.64% above tier (higher cost structure)
  • - Delinquency rate 0.15% above tier average
  • - Total Deposits: Bottom 2.9% in tier
  • - Total Assets: Bottom 5.9% in tier
  • - Average Member Relationship (AMR): Bottom 8.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Members 382,513
+16.9% YoY+13.0% QoQ
 +92.8K 289,724
-2.8% YoY
 14,577
+18.5% YoY
 33,089
+6.1% YoY
 Top 14.7% in tier
Assets $5.1B
+22.9% YoY+16.5% QoQ
 $-723.5M $5.8B
+0.2% YoY
 $171.7M
+26.4% YoY
 $547.7M
+7.8% YoY
 Bottom 2.9% in tier
Loans $3.6B
+15.2% YoY+12.4% QoQ
 $-467.0M $4.1B
-3.1% YoY
 $115.7M
+25.1% YoY
 $388.7M
+8.6% YoY
 26th in tier
Deposits $3.9B
+22.5% YoY+15.5% QoQ
 $-1.0B $4.9B
+2.2% YoY
 $135.7M
+26.5% YoY
 $464.6M
+9.3% YoY
 Bottom 0.0% in tier
ROA 1.0%
-3.7% YoY-16.7% QoQ
 +0.2% 0.8%
+15.5% YoY
 0.9%
+335.0% YoY
 0.7%
+273.4% YoY
 74th in tier
NIM 3.7%
+1.9% YoY-1.2% QoQ
 +0.8% 2.9%
+3.9% YoY
 4.4%
+3.2% YoY
 3.7%
+5.0% YoY
 Top 8.8% in tier
Efficiency Ratio 69.8%
+7.0% YoY+3.9% QoQ
 +1.6% 68.1%
-1.7% YoY
 78.7%
-9.5% YoY
 79.1%
-3.3% YoY
 53rd in tier
Delinquency Rate 0.8%
-6.3% YoY+1.8% QoQ
 +0.2 0.6%
-2.2% YoY
 1.7%
-11.9% YoY
 1.2%
-0.9% YoY
 71st in tier
Loan To Share 93.5%
-5.9% YoY-2.7% QoQ
 +9.8% 83.6%
-5.7% YoY
 68.6%
-0.4% YoY
 68.0%
-1.7% YoY
 59th in tier
AMR $19,567
+1.7% YoY+0.9% QoQ
 $-15K $34,398
+4.0% YoY
 $12,163
+4.6% YoY
 $19,418
+1.3% YoY
 Bottom 5.9% in tier
CD Concentration 25.2%
+3.4% YoY-0.7% QoQ
 -3.7% 28.9%
-1.3% YoY
 19.3%
+9.2% YoY
 19.6%
+6.2% YoY
 30th in tier
Indirect Auto % 25.8%
-0.1% YoY-6.5% QoQ
 +9.2% 16.6%
-10.3% YoY
 2.5%
+12.7% YoY
 7.9%
-2.9% YoY
 73rd in tier

Signature Analysis

Strengths (4)

Emerging Performer

growth
#1 of 31 • Top 0.0% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.99%
(Tier: 0.91%, National: 0.71%)
better than tier avg
Member Growth (YoY): 16.85%
(Tier: 3.07%, National: 9.37%)
better than tier avg
31 of 64 Large CUs have this signature | 852 nationally
→ Stable (27→31 CUs) +4 CUs YoY | New qualifier

Organic Growth Engine

growth
#6 of 50 • Top 3.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 16.85%
(Tier: 3.07%, National: 9.37%)
better than tier avg
Return on Assets: 0.99%
(Tier: 0.91%, National: 0.71%)
better than tier avg
Indirect Auto %: 25.75%
(Tier: 16.60%, National: 7.90%)
but worse than tier avg
50 of 64 Large CUs have this signature | 917 nationally
→ Stable (52→50 CUs) -2 CUs YoY | Rank improving

Wallet Share Momentum

growth
#39 of 46 • Top 32.5% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 1.74%
(Tier: 2.82%, National: 4.19%)
but worse than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | New qualifier

Relationship Depth Leader

growth
#45 of 46 • Top 37.6% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 1.74%
(Tier: 2.82%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.0K
(Tier: $3.2K, National: $2.0K)
but worse than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | New qualifier

Concerns (3)

Indirect Auto Dependency

risk
#10 of 33 • Bottom 9.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 22.90%
(Tier: 4.60%, National: 3.04%)
but better than tier avg
Indirect Auto %: 25.75%
(Tier: 16.60%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 16.85%
(Tier: 3.07%, National: 9.37%)
but better than tier avg
33 of 64 Large CUs have this signature | 768 nationally
→ Stable (34→33 CUs) -1 CUs YoY | Rank improving

Liquidity Strain

risk
#16 of 32 • Bottom 17.7% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 93.45%
(Tier: 84.48%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 15.23%
(Tier: 4.99%, National: 36.38%)
but better than tier avg
32 of 64 Large CUs have this signature | 484 nationally
→ Stable (27→32 CUs) +5 CUs YoY | Rank improving

Liquidity Overhang

risk
#22 of 24 • Bottom 38.2% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.79%
(Tier: 11.62%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 93.45%
(Tier: 84.48%, National: 67.96%)
but better than tier avg
24 of 64 Large CUs have this signature | 691 nationally
↑ Growing +7 CUs YoY | Rank improving

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 34 peers in tier

Top Strengths (9 metrics)

1
Member Growth Rate
growth
Value: 16.85%
Peer Avg: 3.26%
#1 of 34 Top 0.0% in 5B-7B tier
1
Asset Growth Rate
growth
Value: 22.90%
Peer Avg: 6.10%
#1 of 34 Top 0.0% in 5B-7B tier
1
Deposit Growth Rate
growth
Value: 22.52%
Peer Avg: 8.13%
#1 of 34 Top 0.0% in 5B-7B tier
3
Net Interest Margin (NIM)
profitability
Value: 3.72%
Peer Avg: 2.90%
#3 of 34 Top 5.9% in 5B-7B tier
3
Loan Growth Rate
growth
Value: 15.23%
Peer Avg: 5.95%
#3 of 34 Top 5.9% in 5B-7B tier
5
Total Members
engagement
Value: 382,513
Peer Avg: 289,725
#5 of 34 Top 11.8% in 5B-7B tier
8
Net Worth Ratio
risk
Value: 12.79%
Peer Avg: 10.96%
#8 of 34 Top 20.6% in 5B-7B tier
8
Share Certificate Concentration (%)
balance_sheet
Value: 25.19%
Peer Avg: 30.59%
#8 of 34 Top 20.6% in 5B-7B tier
9
Return on Assets (ROA)
profitability
Value: 0.99%
Peer Avg: 0.80%
#9 of 34 Top 23.5% in 5B-7B tier

Top Weaknesses (6 metrics)

34
Total Deposits
balance_sheet
Value: $3.87B
Peer Avg: $4.89B
#34 of 34 Bottom 2.9% in 5B-7B tier
33
Total Assets
balance_sheet
Value: $5.07B
Peer Avg: $5.79B
#33 of 34 Bottom 5.9% in 5B-7B tier
32
Average Member Relationship (AMR)
engagement
Value: $19,567
Peer Avg: $34,398
#32 of 34 Bottom 8.8% in 5B-7B tier
31
Loan-to-Member Ratio (LMR)
engagement
Value: $9,452
Peer Avg: $15,308
#31 of 34 Bottom 11.8% in 5B-7B tier
27
Net Charge-Off Rate
risk
Value: 0.85%
Peer Avg: 0.57%
#27 of 34 Bottom 23.5% in 5B-7B tier
27
Indirect Auto Concentration (%)
balance_sheet
Value: 25.75%
Peer Avg: 14.61%
#27 of 34 Bottom 23.5% in 5B-7B tier