Major Rating Factors:
A current level of 122.2 percent of nonperforming loans to core capital contributes to the Very Weak asset quality (0.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.9 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.0 and a net worth ratio of 14.0. Operating profits as a percentage of assets at 2.5%, coupled with a return on assets of 2.4 has resulted in Excellent (7.5) profitability.
Asset Mix:
Consumer loans (61%), other (39%)
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
200 N Broadway St
McComb, MS 39648
McComb, MS 39648
Phone Number
(601) 680-4419
NCUA Charter Number
Largest Competitors
Biloxi, MS
Jackson, MS
Vicksburg, MS
Moss Point, MS
McComb, MS