Major Rating Factors:
A current level of 12.5 percent of nonperforming loans to core capital combined with 14.7 percent from a year earlier contributes to the Fair asset quality (3.9).
Other Rating Factors:
Weak liquidity 2.9, driven by a liquidity ratio of 27.0 percent and a “hot money” ratio of 0.0 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Consumer loans (61%), home mtgs (7%), other (32%)
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
101 Third Avenue, South
Amory, MS 38821
Amory, MS 38821
Phone Number
(662) 256-9697
NCUA Charter Number
Largest Competitors
Biloxi, MS
Jackson, MS
Vicksburg, MS
Moss Point, MS
Amory, MS