Federal credit union · Biloxi, Mississippi · NCUA charter #16699
Biloxi Teachers
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $11.3M
- Total assets
- 1,075
- Members
- 12.0%
- Net-worth ratio
Biloxi Teachers scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $11.3M; members 1,075; net-worth ratio 11.97%; health rank #2,742 of 4,374; healthier than 36th of scored peers.
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NCUA 5300 Call Report Masthead
#2,742 of 4,374 health · 2025Q4Biloxi Teachers · health 80/100 · $11.3M · 2025Q4
Call Report peers
Biloxi Teachers in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Biloxi Teachers vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Biloxi Teachers sits in 80-84 with 767 others.
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Biloxi Teachers diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -1.06 pp (0.08% vs 1.15%).
- Largest lag: Loan-to-Share Ratio at 40.72% vs peer 59.80% (-19.08 pp).
Biloxi Teachers in Mississippi
- Health composite ranks #32 of 55 among scored Mississippi credit unions.
- By total assets, Biloxi Teachers is #36 of 55 in Mississippi.
- Membership ranks #43 of 55 among Mississippi CUs with a reported count (1,075 members).
- One place up in Mississippi, CENTURYFIRST (#31) ties at 80/100; one place down, TOMBIGBEE (#33) scores 79/100, 1 point lower.
Quarter path for Biloxi Teachers
Biloxi Teachers: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.5% from $11.3M (2025Q4) to $11.8M (2026Q1).
- Net-worth ratio shifted -0.19 pp (12.16% → 11.97%).
This credit union's 11.97% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 80/100 score is built
Biloxi Teachers gives up 20 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 10.0 pts
Biloxi Teachers vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.97% | -2.89 pp |
| Delinquency Rate | 0.08% | -1.06 pp |
| Return on Assets | 0.63% | -0.08 pp |
| Member Growth | -9.28% | - |
| Loan-to-Share Ratio | 40.72% | -19.08 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $11.8M | - |
| 2025Q4 | $11.3M | 1,075 |
| 2024Q4 | $10.4M | 1,185 |
| 2023Q4 | $10.7M | 1,322 |
Credit Union Details
- Charter Number
- 16699
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Mississippi
- City
- Biloxi
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Biloxi Teachers.
| Office | City |
|---|---|
| Biloxi Teachers Fed CU (Main Office) | Biloxi, MS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Mississippi
A look at other Mississippi credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Biloxi Teachers
Similar total assets
Similar health score
Using this data
- Biloxi Teachers ranks #2,742 of 4,374 nationally on financial health and #32 of 55 in MS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- VICKSWOOD is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with VICKSWOOD
Frequently Asked Questions
Is Biloxi Teachers financially healthy?
On its 2025Q4 NCUA 5300 filing, Biloxi Teachers scores 80/100 (Excellent), with a 11.97% net worth ratio and 0.08% of loans delinquent. It ranks #2,742 of 4,374 nationally on health and #32 of 55 in Mississippi.
How does Biloxi Teachers compare to other credit unions?
Biloxi Teachers scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.08% vs 1.15%). Its widest shortfall is loan-to-share ratio (40.72% vs 59.80%).
How can I join Biloxi Teachers?
Biloxi Teachers operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Biloxi Teachers directly for the exact boundaries and application steps.
Is my money safe at Biloxi Teachers?
Biloxi Teachers is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Biloxi Teachers's net worth ratio of 11.97% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.