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 (1.0 on a scale of 0 to 10). Fair current capitalization (4.7 on a scale of 0 to 10) based on a net capital to total assets of 7.1 and a net worth ratio of 7.3.
Other Rating Factors:
A current level of 5.4 percent of nonperforming loans to core capital combined with 8.9 percent from a year earlier contributes to the Good asset quality (5.3). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.3 has resulted in Good (5.6) profitability.
Asset Mix:
Consumer loans (45%), other (55%)
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
1100 College Street
Columbus, MS 39701
Columbus, MS 39701
Phone Number
(662) 327-2500
NCUA Charter Number
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