Major Rating Factors:
A current level of 39.3 percent of nonperforming loans to core capital combined with 39.3 percent from a year earlier contributes to the Very Weak asset quality (0.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.3 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 2.9%, coupled with a return on assets of 2.9 has resulted in Excellent (10.0) profitability. Excellent current capitalization (9.7 on a scale of 0 to 10) based on a net capital to total assets of 11.3 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (74%), other (26%)
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
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