Major Rating Factors:
A current level of 11.8 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.4). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 30.6 and a net worth ratio of 30.6. Operating profits as a percentage of assets at 6.6%, coupled with a return on assets of 6.6 has resulted in Excellent (7.5) profitability.
Asset Mix:
Consumer loans (62%), other (38%)
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
Choctaw Town Center
Choctaw, MS 39350
Choctaw, MS 39350
Phone Number
(601) 675-0566
NCUA Charter Number
Website
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