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 (5.0 on a scale of 0 to 10). A current level of 5.4 percent of nonperforming loans to core capital contributes to the Good asset quality (5.7).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 25.9 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 2.6%, coupled with a return on assets of 2.5 has resulted in Excellent (10.0) profitability.
Asset Mix:
Consumer loans (67%), 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
2420 Old Brandon Road
Pearl, MS 39208
Pearl, MS 39208
Phone Number
(601) 939-3126
NCUA Charter Number
Website
Largest Competitors
Biloxi, MS
Jackson, MS
Vicksburg, MS
Moss Point, MS
Pearl, MS