Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.6 on a scale of 0 to 10).
Other Rating Factors:
A current level of 8.9 percent of nonperforming loans to core capital contributes to the Good asset quality (6.3). Excellent liquidity 7.1, driven by a liquidity ratio of 16.0 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (17%), other (83%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
100 West Capitol Street
Jackson, MS 39269
Jackson, MS 39269
Phone Number
(601) 355-5411
NCUA Charter Number
Largest Competitors
Jackson, MS
Jackson, MS
Jackson, MS
Jackson, MS
Jackson, MS