Sep, 30, 2025 — BILOXI TEACHERS FEDERAL CREDIT UNION is a federal credit union headquartered in BILOXI, MS with 1 branch location and about $11.47 million in total assets. Opened 61 years ago in 1965, BILOXI TEACHERS FEDERAL CREDIT UNION has about 1,074 members and employs 3 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | BILOXI TEACHERS FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 1445 Father Ryan Ave BILOXI, MS 39530 |
| Phone: | (228) 436-5126 |
| Fax: | (228) 436-5107 |
| Website: | https://www.biloxischools.net/domai |
| Branches: | 1 branch locations |
| Members: | 1,074 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 16699 |
|---|---|
| Membership Type: | Multiple common bond - Primarily educational |
| Corporate Credit Union: | No |
| Year Opened: | 1965 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $11,474,786 |
| CEO/Manager: | Sherry P Deshamp |
| Chairperson: | Carolyn A Cadney |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,746,770 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 0 |
| Unsecured Loans | 590,957 |
| Other Loans | 3,515,897 |
| TOTAL LOANS | 4,106,854 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -11,488 |
| Land And Building | 0 |
| Other Fixed Assets | 0 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 91,030 |
| All Other Assets | 0 |
| TOTAL ASSETS | 11,474,786 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 18,403 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 0 |
| Regular shares | 7,175,339 |
| All Other Shares & Deposits | 2,937,433 |
| TOTAL SHARES & DEPOSITS | 10,112,772 |
| TOTAL LIABILITIES | 10,131,175 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 1,343,611 |
| TOTAL EQUITY | 1,343,611 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 11,474,786 |
| INCOME & EXPENSE | |
| Loan Income | 185,262 |
| Investment Income | 158,056 |
| Other Income | 9,703 |
| Total Employee Compensation & Benefits | 90,989 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 41,855 |
| Non-operating Income & (Expense) | 1,446 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | -4,073 |
| Cost of Funds | 106,272 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 119,424 |
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