Major Rating Factors:
A current level of 165.4 percent of nonperforming loans to core capital contributes to the Very Weak asset quality (0.3).
Other Rating Factors:
Weak liquidity 2.0, driven by a liquidity ratio of 21.4 percent and a “hot money” ratio of 41.7 percent. Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.0 has resulted in Weak (2.5) profitability.
Asset Mix:
Home mtgs (28%), consumer loans (5%), other (67%)
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
4 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