Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (1.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (3.9) profitability.
Other Rating Factors:
A current level of 14.8 percent of nonperforming loans to core capital combined with 26.2 percent from a year earlier contributes to the Fair asset quality (4.0). Fair liquidity 4.9, driven by a liquidity ratio of 39.2 percent and a “hot money” ratio of 18.9 percent.
Asset Mix:
Consumer loans (59%), other (42%)
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
1976 Popps Ferry Road
Biloxi, MS 39532
Biloxi, MS 39532
Phone Number
(228) 896-0038
NCUA Charter Number
Website
Largest Competitors
Biloxi, MS
Jackson, MS
Moss Point, MS
Biloxi, MS
Biloxi, MS