Major Rating Factors:
A current level of 10.9 percent of nonperforming loans to core capital combined with 10.7 percent from a year earlier contributes to the Good asset quality (6.4).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 19.3 and a net worth ratio of 0.0. Excellent liquidity 7.9, driven by a liquidity ratio of 87.4 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (23%), other (77%)
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
630 Gaines Highway
Boyle, MS 38730
Boyle, MS 38730
Phone Number
(662) 843-0060
NCUA Charter Number
Website
Largest Competitors
Biloxi, MS
Jackson, MS
Vicksburg, MS
Moss Point, MS
Moss Point, MS