Major Rating Factors:
A current level of 179.0 percent of nonperforming loans to core capital combined with 1079.0 percent from a year earlier contributes to the Very Weak asset quality (0.3).
Other Rating Factors:
Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.0 has resulted in Weak (1.5) profitability. Weak liquidity 2.3, driven by a liquidity ratio of 20.5 percent and a “hot money” ratio of 35.7 percent.
Asset Mix:
Home mtgs (27%), consumer loans (5%), other (68%)
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
Four Old River Place
Jackson, MS 39202
Jackson, MS 39202
Phone Number
(601) 944-1100
NCUA Charter Number
Website
Largest Competitors
Jackson, MS
Jackson, MS
Jackson, MS
Jackson, MS
Jackson, MS