Major Rating Factors:
A current level of 39.4 percent of nonperforming loans to core capital combined with 2.2 percent from a year earlier contributes to the Weak asset quality (1.7).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.2 on a scale of 0 to 10). Good liquidity 6.2, driven by a liquidity ratio of 46.8 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (37%), other (63%)
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
Moss Point, MS
Natchez, MS
Natchez, MS