Federal credit union · Vicksburg, Mississippi · NCUA charter #24892
Vicksburg Railroad
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $12.1M
- Total assets
- 1,003
- Members
- 32.4%
- Net-worth ratio
Vicksburg Railroad scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $12.1M; members 1,003; net-worth ratio 32.37%; health rank #1,024 of 4,374; healthier than 73rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,024 of 4,374 health · 2025Q4Vicksburg Railroad · health 90/100 · $12.1M · 2025Q4
- MEM 90/100
- RANK 32.4%
- PHOTO 0.00%
- BOOK 0.53%
- CHARTER $12.1M
- NCUSIF 1,003
- CAMELS #1,024/4,374
- HEALTH Scurry County School
- NW 24892
Call Report peers
Vicksburg Railroad in the assets neighbourhood
Vicksburg Railroad's $12.1M assets sit next to Scurry County School ($12.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Vicksburg Railroad vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 94.44% here, 59.80% peer average (+34.64 pp).
- Widest shortfall vs peers is Return on Assets: -0.17 pp (0.53% vs 0.70%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Mississippi standing for Vicksburg Railroad
- In Mississippi, health place is #12 of 55 on the same NCUA-ratio sort used nationally.
- Assets rank #35 of 55 inside Mississippi ($12.1M reported).
- Membership ranks #45 of 55 among Mississippi CUs with a reported count (1,003 members).
In-state ordinals use the live credit_unions table for MS only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Vicksburg Railroad's 5300 filing moved
Vicksburg Railroad: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.2% from $12.1M (2025Q4) to $12.1M (2026Q1).
- Net-worth ratio shifted +0.12 pp (32.25% → 32.37%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 32.37%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 90/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.4 pts
- Loan-to-Share Ratio 12.6 pts
Vicksburg Railroad vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 32.37% | +17.51 pp |
| Delinquency Rate | 0.00% | -1.14 pp |
| Return on Assets | 0.53% | -0.17 pp |
| Member Growth | -0.89% | - |
| Loan-to-Share Ratio | 94.44% | +34.64 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $12.1M | - |
| 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
Branch Location
The NCUA branch filing lists a single physical office for Vicksburg Railroad.
| Office | City |
|---|---|
| Vicksburg Railroad Credit Union (Main Office) | Vicksburg, MS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Vicksburg Railroad nationwide neighbourhoods
Vicksburg Railroad's nationwide photo peers by assets and by health score, excluding Mississippi charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($12.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
Using this data
- Vicksburg Railroad ranks #1,024 of 4,374 nationally on financial health and #12 of 55 in MS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Unity is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Unity
- Rates and health both vary by institution, not just by state -- see how Mississippi credit unions compare overall before assuming this one is typical. Mississippi state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
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. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,024 of 4,374; by total assets it ranks #3,448 of 4,374 nationally (same basis as /rankings/largest); and #35 of 55 within Mississippi. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 32.37% 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 32.37% 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.
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.