Major Rating Factors:
A current level of 6.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.7). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 0.8 has resulted in Excellent (7.3) profitability.
Other Rating Factors:
Excellent liquidity 8.3, driven by a liquidity ratio of 103.8 percent and a “hot money” ratio of 5.4 percent. Good current capitalization (6.6 on a scale of 0 to 10) based on a net capital to total assets of 9.1 and a net worth ratio of 9.1.
Asset Mix:
Consumer loans (27%), securities (0%), other (73%)
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