Development
Major Rating Factors:
A current level of 17.0 percent of nonperforming loans to core capital combined with 22.6 percent from a year earlier contributes to the Good asset quality (5.6).
Other Rating Factors:
Fair liquidity 4.9, driven by a liquidity ratio of 59.8 percent and a “hot money” ratio of 3.4 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.9 on a scale of 0 to 10).
Asset Mix:
Consumer loans (45%), home mtgs (9%), other (47%)
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
101 Third Avenue, South
Amory, MS 38821
Amory, MS 38821
Phone Number
(662) 256-9697
NCUA Charter Number
Largest Competitors
Biloxi, MS
Jackson, MS
Moss Point, MS
Moss Point, MS
Amory, MS