Major Rating Factors:
A current level of 4.4 percent of nonperforming loans to core capital combined with 4.4 percent from a year earlier contributes to the Excellent asset quality (8.4). Excellent current capitalization (7.2 on a scale of 0 to 10) based on a net capital to total assets of 9.6 and a net worth ratio of 0.0.
Other Rating Factors:
Excellent liquidity 7.8, driven by a liquidity ratio of 95.1 percent and a “hot money” ratio of 8.6 percent. Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.6 has resulted in Good (5.4) profitability.
Asset Mix:
Consumer loans (32%), home mtgs (0%), other (68%)
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
P.O. Box 1403
Jackson, MS 39215
Jackson, MS 39215
Phone Number
(601) 922-7055
NCUA Charter Number
Website
Largest Competitors
Jackson, MS
Jackson, MS
Jackson, MS
Jackson, MS
Jackson, MS