CenturyFirst Federal Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.5 and a net worth ratio of 13.5. Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 0.9 has resulted in Excellent (9.5) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.3 on a scale of 0 to 10). A current level of 11.5 percent of nonperforming loans to core capital contributes to the Good asset quality (6.3).
Asset Mix:
Consumer loans (40%), home mtgs (26%), comm loans (0%), other (33%)
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
3318 Hardy Street
Hattiesburg, MS 39401
Hattiesburg, MS 39401
Phone Number
(601) 450-4114
NCUA Charter Number
Website
Largest Competitors
Biloxi, MS
Hattiesburg, MS
Hattiesburg, MS
Hattiesburg, MS
Hattiesburg, MS