Major Rating Factors:
A current level of 125.0 percent of nonperforming loans to core capital contributes to the Very Weak asset quality (0.3).
Other Rating Factors:
Very Weak current capitalization (0.6 on a scale of 0 to 10) based on a net capital to total assets of 3.9 and a net worth ratio of 3.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.7 on a scale of 0 to 10).
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
101 Saint Catherine Street
Natchez, MS 39120
Natchez, MS 39120
Phone Number
(601) 442-5888
NCUA Charter Number
Website
Largest Competitors
Biloxi, MS
Jackson, MS
Vicksburg, MS
Natchez, MS
Natchez, MS