Ferguson Federal Credit Union
Major Rating Factors:
A current level of 26.0 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.5). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.7 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.0 on a scale of 0 to 10) based on a net capital to total assets of 9.5 and a net worth ratio of 9.6. Fair liquidity 3.3, driven by a liquidity ratio of 11.9 percent and a “hot money” ratio of 22.7 percent.
Asset Mix:
Consumer loans (26%), home mtgs (16%), comm loans (9%), other (49%)
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
1026 East Broad Street
Monticello, MS 39654
Monticello, MS 39654
Phone Number
(601) 806-3328
NCUA Charter Number
Website
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