Major Rating Factors:
A current level of 39.3 percent of nonperforming loans to core capital combined with 39.3 percent from a year earlier contributes to the Very Weak asset quality (0.7). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Good (6.2) profitability.
Other Rating Factors:
Weak liquidity 2.6, driven by a liquidity ratio of 13.5 percent and a “hot money” ratio of 0.0 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.4 on a scale of 0 to 10).
Asset Mix:
Consumer loans (83%), other (17%)
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
500H East Woodrow Wilson Avenue
Jackson, MS 39216
Jackson, MS 39216
Phone Number
(601) 354-6633
NCUA Charter Number
Website
Largest Competitors
Jackson, MS
Jackson, MS
Jackson, MS
Jackson, MS
Jackson, MS