Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.3 on a scale of 0 to 10).
Other Rating Factors:
Good liquidity 5.1, driven by a liquidity ratio of 27.7 percent and a “hot money” ratio of 0.0 percent. Excellent current capitalization (7.3 on a scale of 0 to 10) based on a net capital to total assets of 9.6 and a net worth ratio of 9.7.
Asset Mix:
Consumer loans (48%), other (52%)
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
102 Old Highway 15 Loop
Newton, MS 39345
Newton, MS 39345
Phone Number
(601) 683-3322
NCUA Charter Number
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