Federal credit union · Vicksburg, Mississippi · NCUA charter #24892
Vicksburg Railroad
Health score 90/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $12.1M
- Total assets
- 1,003
- Members
- 32.2%
- Net-worth ratio
Vicksburg Railroad - Share Insurance Coverage
Charter #24892's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Vicksburg Railroad - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth49
- Liquidity (loan-to-share)87
Weighted composite: 90/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 32.25%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 32.25% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.53% | 15% |
| Member Growth | -0.89% | 15% |
| Loan-to-Share Ratio | 94.44% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $12.1M | 1,003 |
| 2024Q4 | $12.0M | 1,012 |
| 2023Q4 | $11.3M | 1,039 |
Credit Union Details
- Charter Number
- 24892
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $10M–$50M
- State
- Mississippi
- City
- Vicksburg
- Data Quarter
- 2025Q4
What This Data Says About Vicksburg Railroad
Vicksburg Railroad is a federal credit union headquartered in Vicksburg, Mississippi, serving 1,003 members with $12.1M in total assets and $7.7M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 90/100 (Excellent), anchored by a net worth ratio of 32.25% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #24892 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
On loan book quality: 0.00% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Meanwhile a 94.44% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.53% on net income of $64K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.89%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other/Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Mississippi
A look at other Mississippi credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Vicksburg Railroad financially healthy?
Vicksburg Railroad scores 90/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 32.25% net worth ratio and a 0.00% delinquency rate.
How does Vicksburg Railroad compare to other credit unions?
On PlainCU's health composite, Vicksburg Railroad lands at 90/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Vicksburg Railroad?
Vicksburg Railroad operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Vicksburg Railroad directly for the exact boundaries and application steps.
Is my money safe at Vicksburg Railroad?
Federal credit unions like Vicksburg Railroad are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Vicksburg Railroad's net worth ratio of 32.25% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Vicksburg Railroad offer compared to banks?
Credit unions like Vicksburg Railroad are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Vicksburg Railroad directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.