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 (2.3 on a scale of 0 to 10). A current level of 13.2 percent of nonperforming loans to core capital contributes to the Good asset quality (5.5).
Other Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Good (5.8) profitability. Good liquidity 6.0, driven by a liquidity ratio of 48.3 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (44%), other (56%)
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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