Major 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 (7.6 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 50.5 and a net worth ratio of 50.6. A current level of 1.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.9).
Asset Mix:
Consumer loans (41%), other (59%)
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
10 Homochitto Street
Natchez, MS 39120
Natchez, MS 39120
Phone Number
(601) 445-2851
NCUA Charter Number
Largest Competitors
Biloxi, MS
Jackson, MS
Vicksburg, MS
Natchez, MS
Natchez, MS