Major Rating Factors:
A current level of 45.0 percent of nonperforming loans to core capital contributes to the Very Weak asset quality (0.7).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.4 on a scale of 0 to 10). Fair current capitalization (4.6 on a scale of 0 to 10) based on a net capital to total assets of 6.9 and a net worth ratio of 6.9.
Asset Mix:
Consumer loans (46%), other (54%)
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
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