Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.2 and a net worth ratio of 12.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.8 on a scale of 0 to 10).
Other Rating Factors:
A current level of 6.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.3). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 0.7 has resulted in Good (5.0) profitability.
Asset Mix:
Consumer loans (34%), home mtgs (24%), comm loans (5%), other (37%)
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
2602 Pass Road
Biloxi, MS 39531
Biloxi, MS 39531
Phone Number
(228) 385-5500
NCUA Charter Number
Website
Largest Competitors
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