Rating Date
June 2026
Net Capital
Ratio
Ratio
--
Leverage
Ratio
Ratio
--
Return On
Assets
Assets
--
Total
Assets
Assets
--
Capital
--
Total
Deposits
Deposits
--
Net
Income
Income
--
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 (3.8 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (7.5). Good liquidity 5.1, driven by a liquidity ratio of 13.2 percent and a “hot money” ratio of 9.1 percent.
Asset Mix:
Other (100%)
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
--
Liquidity
Liquidity Ratio
--
Hot Money
--
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