Major 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 (3.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.5 has resulted in Fair (3.5) profitability.
Other Rating Factors:
Weak liquidity 2.5, driven by a liquidity ratio of 23.3 percent and a “hot money” ratio of 2.2 percent. A current level of 18.4 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.2).
Asset Mix:
Consumer loans (60%), home mtgs (7%), other (34%)
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
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Amory, MS