Major 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 50.4. A current level of 0.9 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (9.9).
Other Rating Factors:
Operating profits as a percentage of assets at 4.6%, coupled with a return on assets of 4.6 has resulted in Excellent (8.9) profitability. Good liquidity 6.5, driven by a liquidity ratio of 70.4 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (37%), other (63%)
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
Moss Point, MS
Natchez, MS
Natchez, MS