CenturyFirst Federal Credit Union
Major Rating Factors:
A current level of 17.7 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.3). Operating profits as a percentage of assets at 3.3%, coupled with a return on assets of 1.1 has resulted in Excellent (7.6) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 15.3 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10).
Asset Mix:
Consumer loans (54%), home mtgs (22%), other (24%)
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