2025 Annual Meeting Treasurer’s Report

The state of our credit union is strong.

Keesler Federal ended the year with $5.2 billion in total assets, earning a net income of $48.5 million to add to members’ equity. These strong earnings represent a Return on Assets (ROA) of 1.03 percent. In addition to our net income, we also added over $40 million to our capital as a result of our merger with Jefferson Financial Federal Credit Union. This merger added over 40,000 members to our credit union and $700 million in assets.

Our credit union continues to be considered “well-capitalized” as measured by the National Credit Union Administration (NCUA), with Net Worth Ratio of 12.37% at year’s end. This measure captures the strength of our organization and indicates a very high level of financial safety and soundness.

Our competitive loan rates and exemplary service drove a successful year in lending to our members. Your credit union made more than 30,000 loans totaling almost $1.3 billion to your fellow members in 2025, fulfilling our strategy to focus on meaningful lending. We averaged $110 million in new loan originations each month, and our Loan-to-Share Ratio for the year closed at 91.32 percent.

Taken together, these measures show Keesler Federal’s strength and allows us to continue to provide a wide range of competitively priced loan and deposit products to help you achieve your financial goals. You will find more details about last year’s financial information in the 2025 Annual Report. We are grateful you are a part of this growing financial cooperative.

Thank you for your loyalty and dedication and thank you for choosing Keesler Federal Credit Union.