Major Rating Factors:
A current level of 42.7 percent of nonperforming loans to core capital combined with 2.3 percent from a year earlier contributes to the Very Weak asset quality (0.7).
Other Rating Factors:
Fair liquidity 4.3, driven by a liquidity ratio of 56.7 percent and a “hot money” ratio of 41.1 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.9 on a scale of 0 to 10).
Asset Mix:
Consumer loans (62%), other (38%)
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
600 East McDowell Road
Jackson, MS 39204
Jackson, MS 39204
Phone Number
(601) 985-4877
NCUA Charter Number
Largest Competitors
Jackson, MS
Jackson, MS
Jackson, MS
Jackson, MS
Jackson, MS