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 (0.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 20.7 percent of nonperforming loans to core capital combined with 11.9 percent from a year earlier contributes to the Weak asset quality (2.5). Fair liquidity 3.3, driven by a liquidity ratio of 16.5 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (70%), other (30%)
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
142 Military Drive
Jackson, MS 39232
Jackson, MS 39232
Phone Number
(601) 932-5194
NCUA Charter Number
Website
Largest Competitors
Jackson, MS
Jackson, MS
Jackson, MS
Jackson, MS
Jackson, MS