Major Rating Factors:
A current level of 29.7 percent of nonperforming loans to core capital contributes to the Weak asset quality (2.5). Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 2.2 has resulted in Good (5.6) profitability.
Other Rating Factors:
Fair liquidity 3.2, driven by a liquidity ratio of 44.7 percent and a “hot money” ratio of 2.2 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10).
Asset Mix:
Consumer loans (58%), home mtgs (6%), other (36%)
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