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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,742 of 4,374 health · 2025Q4Biloxi Teachers · health 80/100 · $11.3M · 2025Q4
- HEALTH 80/100
- NW 12.0%
- DELQ 0.08%
- ROA 0.63%
- ASSETS $11.3M
- MEM 1,075
- RANK #2,742/4,374
- PHOTO INTERNATIONALITES
- BOOK 16699
Call Report peers
Biloxi Teachers in the assets neighbourhood
Biloxi Teachers's $11.3M assets sit next to INTERNATIONALITES ($11.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Biloxi Teachers - Share Insurance Coverage
Charter #16699's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for MS only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Biloxi Teachers
Biloxi Teachers: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.5% from $11.3M (2025Q4) to $11.8M (2026Q1).
- Net-worth ratio shifted -0.19 pp (12.16% → 11.97%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Cross-state asset and health neighbours for Biloxi Teachers - kept outside Mississippi; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($11.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Mississippi credit unions compare overall before assuming this one is typical. Mississippi state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Biloxi Teachers financially healthy?
A 11.97% net worth ratio and a 0.08% delinquency rate feed into Biloxi Teachers's financial health score of 80/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,742 of 4,374; by total assets it ranks #3,491 of 4,374 nationally (same basis as /rankings/largest); and #36 of 55 within Mississippi. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Biloxi Teachers compare to other credit unions?
80/100 is Biloxi Teachers's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Biloxi Teachers are 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."
What rates does Biloxi Teachers offer compared to banks?
Credit unions like Biloxi Teachers are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Biloxi Teachers directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.